Podcasts about NAR

NAR projects membership will drop by 200K in 2026 — and with an 87% agent failure rate, the market is unforgiving. In this video, Tom breaks down the #1 roadblock stopping agents from reaching their potential — and the proven process top performers use to win. If you're ready to track your numbers, run plays that work, and build consistency, watch now.

Mary welcomes back author, apologist and speaker Holly Pivec for a timely conversation about the New Apostolic Reformation - which has become more of a revolution if you look at the numbers. And yet so many believers have never heard of it. So today we look at the basics: what it is, what it isn't, and how to recognize it will take a bit of effort since it isn't a specific church or denomination. We look at how it intersects with politics and why. If Christians think that the gospel they see in today's politics is pure, they really need to think again, since the NAR is bent on taking over every system of the world. Does that sound as crazy to you reading it as it did to me writing it? It should, because dominion theology says that Christians must take over the world before Jesus can return. And yes, that IS crazy because Jesus isn't a hostage in heaven waiting for us to overtake politics. We also talk about revival: what might that look like here in 2025, with the NAR being opportunistic in nature, that wherever there are whispers of revival, there they must be. Christians must be armed with this information or they risk being deceived, it really is that simple. If a claim of revival turns out to be fake, are we trying to assign the Holy Spirit to something He has not initiated? How can that not be perilous to believers? Holly's definitive and groundbreaking books on the NAR can be found here.   Stand Up For The Truth Videos: https://rumble.com/user/CTRNOnline & https://www.youtube.com/channel/UCgQQSvKiMcglId7oGc5c46A

Register here to attend the live virtual event "How to Scale Your Portfolio, with Tenanted Cash Flowing, New Construction Properties" on Thursday, November 13th at 8pm Eastern. Keith discusses Billie Eilish's views on billionaires and contrasts her stance with Grant Cardone's, emphasizing the value billionaires bring.  Hear about the Fed's decision to end Quantitative Tightening (QT), predicting lower interest rates.  GRE Investment Coach, Naresh Vissa, joins the conversation to highlight the benefits of new build properties, such as lower maintenance and higher tenant quality, and mentions a 10% cashback incentive from builders.  Resources: Register for the event at GREwebinars.com Episode Page: GetRichEducation.com/579 For access to properties or free help with a GRE Investment Coach, start here: GREmarketplace.com GRE Free Investment Coaching: GREinvestmentcoach.com Get mortgage loans for investment property: RidgeLendingGroup.com or call 855-74-RIDGE  or e-mail: info@RidgeLendingGroup.com Invest with Freedom Family Investments.  For predictable 10-12% quarterly returns, visit FreedomFamilyInvestments.com/GRE or text  1-937-795-8989 to speak with a freedom coach Will you please leave a review for the show? I'd be grateful. Search "how to leave an Apple Podcasts review"  For advertising inquiries, visit: GetRichEducation.com/ad Best Financial Education: GetRichEducation.com Get our wealth-building newsletter free— GREletter.com or text 'GRE' to 66866 Our YouTube Channel: www.youtube.com/c/GetRichEducation Follow us on Instagram: @getricheducation Complete episode transcript:   Keith Weinhold  0:00   Keith, welcome to GRE. I'm your host. Keith Weinhold, should billionaires even exist? Why do so many people think that interest rates of all types are headed even lower than as a real estate investor, how to identify and capitalize on an opportunity in this era? It's something that I've never seen before. Today on get rich education   Speaker 1  0:27   since 2014 the powerful get rich education podcast has created more passive income for people than nearly any other show in the world. This show teaches you how to earn strong returns from passive real estate investing in the best markets without losing your time being a flipper or landlord. Show Host Keith Weinhold writes for both Forbes and Rich Dad advisors and delivers a new show every week since 2014 there's been millions of listener downloads of 188 world nations. He has a list show guests include top selling personal finance author Robert Kiyosaki. Get rich education can be heard on every podcast platform, plus it has its own dedicated Apple and Android listener phone apps build wealth on the go with the get rich education podcast. Sign up now for the get rich education podcast, or visit get rich education.com   Corey Coates  1:13   You're listening to the show that has created more financial freedom than nearly any show in the world. This is get rich education.   Keith Weinhold  1:29   Welcome to GRE from flatiron, Manhattan to Flatbush, Brooklyn, across New York City and 188 world nations. This is Get Rich Education. I'm your host. Keith Weinhold, it's the longest federal government shutdown in US history. This whole thing has now lasted longer than most gym memberships. I guess the GDP stands for government doesn't produce, hmm. Before we get into our core investing and real estate content today, Billie Eilish, the singer, recently made some public remarks on whether or not billionaires should even exist. Yeah. Now if you're not familiar with her, Billie Eilish is known for her kind of unique style, sort of these baggy clothes, neon hair, avant garde fashion, and she has a reputation for being outspoken about a lot of things like mental health and body image and environmental issues. Now, in general, I respect people for speaking their mind, whether I agree or not, because a lot of people are just afraid to do that. Let's listen in to this short clip on what she said. You might have heard this because it was pretty widely broadcasted. Eilish spoke after receiving recognition at the Wall Street Journal innovator awards. This is courtesy of the AP. And then I'll come back to comment.   Speaker 2  2:58   We're in a time right now where the world is really, bad and really dark, and people need empathy and help more than kind of ever, especially in our country. And I'd say if you have money, it would be great to use it for good things and maybe give it to some people that need it and love you all, but there's a few people in here that have a lot more money than me, and if you're a billionaire, why are you a billionaire? No hate, but yeah, give your money away. Shorties. Love you guys. Thank you so much.   Speaker 3  3:40   First of all, without explicitly saying it, she's basically referencing how inflation widened the canyon between the haves and the have nots and GRE listeners that have acted have been on the right side of that canyon. I actually want to give Billie Eilish some credit here. Giving is virtuous. That is a good thing. In fact, next month, I plan to discuss the pros and cons of giving here on the show as we approach Christmas. Billie Eilish, she's certainly not a hypocrite either, because she's given away more than $10 million of her estimated $50 million dollar net worth. She's into feeding people and climate initiatives that right there is giving away more than 20% of your net worth, and that is really kind. Now, you heard her say there's a few people in here that have a lot more money than me, and she's right. Mark Zuckerberg was in that room. His net worth of over 200 billion means that his net worth is more than 4000 times greater than Billy eilish's. It sounds loosely like she's. shaming him for not giving away more of his wealth. And I don't know just offhand how much Zuck gives away, but this is where my credit to Billy Eilish stops. I think that it's okay for a person to be a billionaire. I wouldn't question that. I mean, a lot of times it meant that that person was willing to take risks that others would not dare try. A billionaire probably means you're a person of great value, and that you've hired hundreds or 1000s of other people, creating jobs for them. A billionaire has almost certainly created a product that society values. Jeff Bezos pioneered one day delivery. Zuckerberg connects people through his meta platforms. And now I'm not going to say that either one of those billionaires are perfect people. They are flawed, just like you and I. Billionaires probably pay more tax than the average person as well. That supports the infrastructure that you and I and everybody use, like building bridges or creating a fiber optic network. I would expect that a billionaire would be a giver as well. And see, if you're a billionaire, you have more ability to give than the average person does, you can make a greater impact. And see, this is where things really break down and not make sense. So if Billie Eilish is net worth is 50 million, Oh, apparently that's just okay. That's fine with her. But once it gets to 20 times greater than that, which is 1 billion, then it's not okay. So that means the line is drawn somewhere in there. That makes zero sense to me. The ceiling on what you're supposed to have in net worth is between 50 million and 1 billion. Like, I really do not get the logic on that one. And you know, a guest that we've had on the show here, Grant Cardone, whether you like him or not, he has had some on point remarks about these Billy Eilish comments himself to the question that she posited, which is, if you're a billionaire, why are you a billionaire? Cardone's answer is, if you're a pop star, why are you a pop star? Billy said, give your money away. Cardone's response to her is, give your music away. That's some food for thought there. That's my take on the Billy Eilish remarks on whether or not billionaires should exist. And if you want to hear Grant Cardone and I's conversation here on GRE, that was episode 264 the title of it is Keith Weinhold and Grant Cardone 10x your wealth number 264, a lot of listeners like that episode saying something like it was a dream to hear grant and I together for the first time. Like that, their favorite sales trainer on their favorite real estate show. You can listen by either scrolling way back to get rich education episode 264 in your podcatcher, or you can listen directly by going to get rich education.com/ 264,    Keith Weinhold  8:11   now the Fed has said that they are going to slow or end Qt, next month. All right, when Jerome Powell says something like this, what does that really mean to you as an investor? What can you expect ending QT? Well, you probably already know that QE quantitative easing that has the effect of creating dollars. Qt is the opposite. It has the effect of destroying dollars. So if they're ending Qt, this helps keep more dollars around in the future. So ending Qt then, like we expect soon, that really parallels a lower interest rate environment, because see lower rates already make dollars flow more freely. You probably remember the analogy that I introduced to you on the show earlier this year about how lower rates are like lowering the height of a dam wall. It makes it easier for water to flow, so then lowering rates makes it easier for money to flow, and that's because low savings account rates make people get money out of those vehicles. Okay, that's that low dam wall and low borrowing rates make that money flow as well. People will unlock dollars if rates are low, late last year, the Fed dropped rates a full 1% then they didn't make any moves for a while, until late this year, they've now dropped rates another half a percent. That's the environment that we're in. So then more QE and less QT. That further eases the flow of dollars, and it correlates with even lower rates that are coming in the future. Now it doesn't mean that they will. I'm not saying that they certainly will. There is just that tendency, that correlation. So we had pandemic era QE there about five years ago, that ended as we moved to Qt in 2022 and now what we're doing is unwinding Qt, moving back toward more flow, and it surely gets more technical than that. Ending Qt allows the Fed to expand its balance sheet again. Treasuries and mortgage backed securities, once matured, can now be replaced, and that injects liquidity into the system once again, and that is where we're going. Bank reserves are reaching ample levels again, and there is no need to put liquidity stress on money markets. A lot of these moves are here. What they're here for is to help ease the concerning labor market. It's been almost exactly three years now since chatgpt launched, and a while back, I mentioned how companies were newly interested in hiring the shiny new job that didn't exist before the AI prompt engineer that was one of the hottest jobs. Well, yeah, that was true back in 2023 but not so much. Now. A lot of companies have figured out that the employees that wanted to keep their job, well, they figured out real quick how to be the Ask AI, good questions guy, and we are seeing more layoffs later today, my guest and I will talk about that, and also he's going to make somewhat of a future mortgage rate forecast, or at least talk about the direction that they're going in. I think you're really going to like that. I don't predict rates myself, but sometimes a guest will. That's what's happening today. My point here is that with Qt ending, which again lowers the damn wall height and eases the flow of money, that parallels the fact that we have lower interest rates now than what we had one year ago, and we have lower interest rates now than what we had two years ago. As well, be mindful that you cannot get it all as a real estate investor. You cannot get soaring employment and low interest rates together. You cannot get those two things together, at least not for long. High employment means high rates. Low employment means low rates. Today's guest, and I will get into that as well.    Keith Weinhold  12:43   Well as we've had lower rates, hence a lower wall height, don't buy property and expect that you'll be able to refi into a lower rate within a year. If it happens, great. Don't buy expecting rents to go up or rates to go down, although many think that will happen. Just enjoy it. If it does, rent vesting has been on the rise lately. Yes, rent vesting. What that means is when you pay rent in the property where you live, and then the only properties that you own are rental properties. Rent vesting makes sense if you live in California, New York City and Boston, since rent to price ratios are so low there, and then you invest your dollars inland, that's how you can live in a high cost place and yet still benefit from cheap rental property and have income streams from them. You might remember that some months ago, I interviewed two listener guests on the show, everyday listeners, just like you, and California based investor and GRE listener, Joshua Fang, told us about his rent vesting. He pays rent in his primary residence, since the rent to price ratio might be three tenths of 1% there and then he owns property in GRE marketplace markets, I think it was Memphis and elsewhere where you're benefiting from, say, eight tenths of 1% that is called rent, vesting, investing in properties that make sense that you buy through GRE marketplace. And remember when Josh told us that passive income gives him time to enjoy life and even stop and watch two lizards for 15 minutes? Oh, what passive income can do. It's the quirky things that you remember. See. The point is that smart people in high cost states are rent vesting, if that's what you've got to do in order to own real assets. Then do it get on the right side, as this difference between the haves and the have nots just keeps expanding. I just did something that you might find interesting over the weekend for the first time in years. I visited that first fourplex building that I ever owned, which is also the first piece of real estate that I ever owned, that blue colored fourplex, and it is still blue. The address of that property is 925 east, 45th court, and it's in Midtown Anchorage. It has never been a pretty neighborhood, and I confirmed that it still is not. It looks a touch worse than when I owned it. I straightened up the curb appeal more than today's owner does. I bought the four Plex over 20 years ago for $295,000 and at that time, on the day that I bought. The total rents were $2,900 because it was 725 per door. I just looked on Zillow. And do you want to guess at its zestimated value today? Yes, it cost 295k back in 2002 and today, the Zestimate is 625k I don't know what today's rents are. My guess is that they're just short of $6,000 for all four units combined, two bed, one bath, 960 square foot units, really plain vanilla, boring looking housing, but it's certainly not like a crime ridden slum. It's just that depressing looking block that's just chock full of disorder and these other four Plex buildings and dumpsters all over the place. But yeah, that's how it all began for me. I visited that building again, and I haven't owned it in a while. I 1031 exchange out of it and into an eight Plex in 2013 if it weren't for that building, you would not be listening to me right now, and you would not have heard of me, because this show wouldn't exist big thanks to the three and a half percent down FHA loan for someone that came from humble means, like me.    Keith Weinhold  17:03   Last month, I did a running race that goes up a ski jump that was pretty cool. It gets so steep that you have to grab onto a cargo net to pull yourself up. It's almost like a rope ladder. I did not win. I got fifth out of 21 competitors in that race. Hey, I like to get out and physically challenge myself. After talking real estate all day, my body weight is up a little. It's currently sitting at 178 pounds. That's 81 kilograms for our European listeners, and it hit its recent bottom of 172 back on the Fourth of July. That's by design. I need to be really leaned out for a big Independence Day race every summer. You know, I'm one of those guys where I still cannot compete with bodybuilders because I'm too lean, and yet I don't win running races because I'm too bulky, so I'm more of an all around guy. I do about seven different sports, and that's exactly how I win nothing and always get like, fifth place or worse. This major mammal has got to keep himself moving, In any case.   Keith Weinhold  18:17   next week here on the show, we'll talk to a Harvard grad. She's super interesting. She used to work at Apple, and then she founded an AI centric property management company so that you can use her platform to self manage and leverage AI. But are we at the point where your tenant would really talk to a chatbot? Would that fly? And if society is there, well then do property management fees and everything start trending towards zero. I'm going to ask her about that. That's next week. As for today, you know, the world series ended about a week ago, and what I did is that I watched 10 commercials during the World Series, and then I jotted down the name of each sponsor, and here's who the World Series advertisers were just in this one segment where I paid attention to them. They're all big brands that you've heard of atnt Liberty, mutual nature made brand items like vitamins and supplements, Starbucks, Coors, light, Qdoba, Capital One, Home Depot, crest, white strips and Jim Beam, all right, those were the 10. What do those 10 have in common? More or less, any ideas there those 10 products and companies are all for consumer products. That's the common link. And that might seem so obvious that you wouldn't even think of it. Well, this is because most ads are for consumer products. Those ads fuel consumerism. And there's nothing wrong with that at all. That. Represents an economy. In fact, I use some of those very companies in my personal life.    Keith Weinhold  20:04   But here's the difference here at GRE our sponsors help you produce, not consume. Think about that as you listen to me in this spot for freedom, family investments and then Ridge lending group, then I'm coming back for more with a terrific guest.    Keith Weinhold  20:23   You know, most people think they're playing it safe with their liquid money, but they're actually losing savings accounts and bonds don't keep up when true inflation eats six or 7% of your wealth. Every single year, I invest my liquidity with FFI freedom family investments in their flagship program. Why? Fixed 10 to 12% returns have been predictable and paid quarterly. There's real world security backed by needs based real estate like affordable housing, Senior Living and health care. Ask about the freedom flagship program when you speak to a freedom coach there, and that's just one part of their family of products, they've got workshops, webinars and seminars designed to educate you before you invest. Start with as little as 25k and finally, get your money working as hard as you do. Get started at Freedom family investments.com/gre, or send a text. Now it's 1-937-795-8989, yep, text their freedom coach, directly. Again, 1-937-795-8989,   Keith Weinhold  21:34   the same place where I get my own mortgage loans is where you can get yours. Ridge lending group and MLS, 42056, they provided our listeners with more loans than anyone because they specialize in income properties. They help you build a long term plan for growing your real estate empire with leverage. Start your prequel and even chat with President chailey Ridge personally while it's on your mind, start at Ridge lending group.com that's Ridge lending group.com   John Lee Dumas  22:08   this is Entrepreneur on fires, John Lee, Dumas, don't follow Money. Make money. Follow you with get rich. Education.   Keith Weinhold  22:22   So we have a familiar voice back on the show. It's an in house discussion here with our own GRE investment coach. And like I've told you before, he's got both the formal education with his MBA and the self education, because he's an active real estate investor for four years now, he has helped you completely free, usually over the phone, sometimes on Zoom. He learns your own personal goals and then helps you find the market that's right for you in fitting those goals. And I've had listeners like you tell me that, you know, I can't believe that getting his actionable insight is free, and now he can help you best, though, if you're ready to own more income property, he even helps connect you with the exact property address, like say, 321, raspberry Street in Huntsville, Alabama. So it's great to welcome back to the show and provide the listener with a respite from my mouth breathing rhetoric and discourse, it is GRE investment coach. Naresh Vissa,   Naresh Vissa  23:24   thanks a lot, Keith. I can't believe it's been four years. It's been four amazing years, and congratulations to you and to GRE for being around so long and together, we have grown our listenership, and we appreciate all of you listeners, listening out there, for sure,   Keith Weinhold  23:42   real estate activity has slowed down overall, but things are still really vibrant. Here at GRE we see more activity than we saw last year, and when we talk about increasing activity, Naresh, the Fed, looks to do that when they reduce interest rates, that incentivizes businesses to borrow, that incentivizes consumers to spend, because, for example, they're not getting as high of a yield and their savings account. So now we're here in this fed cutting cycle. Tell us what that means from your perspective.   Naresh Vissa  24:15   We talked about this a few months ago when I was on the podcast at the Federal Reserve. I predicted that the Federal Reserve would begin a rate cutting cycle, and that this cycle would be extensive. It would not be an overnight, 100 basis point cut, or anything like that we saw in March. So that rate cutting cycle has begun, and they continue to cut. And we did an entire episode on President Trump and the name calling with Federal Reserve Chair Jerome Powell, whose term ends in the middle of next year. It's May of next year, when he's leaving. And with all that pressure, I predicted that the Fed would begin its rate cutting cycle. We are in the. Cutting cycle right now. They did a few cuts last year and stopped, which I thought were mistakes. But with that being said, we are in the thick of this cutting cycle. We are going to see more cuts moving forward. And what that means you're already seeing it. As a real estate investor, you are seeing, I don't want to say low interest rates, but lower interest rates compared to where we were a year ago, compared to where we were certainly 234, years Well, maybe not four years ago, but three years ago, we are seeing far lower interest rates, and we will continue to see interest rates, in the sense of mortgage rates, plummet as a result of this. So enjoy the low rates while they last, because they're not going to last forever. Nothing lasts forever, but the Federal Reserve, you throw in the government shutdown, I think it makes sense that the Federal Reserve continues to cut, because there's no telling where inflation is going to go. The experts thought that inflation would go up, up, up, up and be a significant problem. They've been saying that since the election winner last year or the election night last year, we haven't necessarily seen that. We have seen inflation somewhat go up, but we haven't seen that runaway inflation that many of the experts predicted as a result of the tariffs, as a result of the rate cutting, I think it definitely helps that number one, Doge, cut several government programs and cut a lot of government spending, not as much as they thought they would, but they cut enough to where they're limiting the amount of federal government spending. We've also seen mass layoffs, mass layoffs in the public sector, which has seeped into the private sector as well, because many of these private companies, like an Accenture, for example, many of these tech companies that were getting subsidies from the government, that funding has stopped, and that has led to layoffs. Now, what layoffs do is layoffs create, I don't want to say deflation, but layoffs are disinflationary, right? And we've seen significant layoffs, like I said, since February of earlier this year, when Doge was in the thick this government shutdown has led to mass layoffs as well. So we've seen 10s of 1000s of people well, we've seen hundreds of 1000s of people furloughed, if not at least a million people furloughed now, they will end up getting their pay, but we've seen 10s of 1000s of people laid off as a result of this government shutdown. And what that means is, again, this is very disinflationary. That's less money that the government is spending moving forward, not just right now, but moving forward. So there's a savings there that's also more people who are probably going to hold on to their cash as tightly as possible as they find new work. So this is, once again, disinflationary. And what does all this mean? All of this, to me, seems disinflationary. It goes against the narrative that when you cut interest rates, inflation goes up. It goes against a narrative that when you implement tariffs, inflation goes up, and that's why we haven't seen the runaway inflation that many so called experts were predicting. I think moving forward, the Fed continues to cut because of the weakness, at least when it comes to the job situation, because of the weakness with jobs, and because of unemployment, it's gone up somewhat. I think the Fed ends up continuing their rate cutting cycle through the end of Powell's term, and it could be just a series of 25 basis points every time they meet. Maybe if things get if there's something that they don't like, they up it to 50 basis points at one of the meetings. But the bottom line is, I think they're just going to keep cutting until Powell is gone, and then Trump will put in his guy into the Fed chair. And by that point, we may have cut enough to where there's not much left to cut yet, and that's when we're going to see there's a chance that could happen, or there's a chance the next guy will pick up where Powell left off and and do series of cuts as well. But what that means is that mortgage rates, we can expect, that's one of the most common questions I get from GRE followers, yeah, it's where do you see mortgage rates going? Because these people, they're not a lot of our followers, they're not following the intricacies of the market. Most of our followers have full time jobs as doctors or dentists or engineers or IT workers, and they're not following the ins and outs. And so the most common question that I get is, where are interest rates going? And I've been pretty spot on for the past few years, minus a few mistakes that I thought the Fed made. But I'm very confident when I say, just like I said when I came on earlier this year, that interest rates are on their way down there, and they are not on their way up.   Keith Weinhold  29:51   Just wait until this administration gets their guy in as the Fed chair. It almost feels like we're going to see a Javier Malay Argentina. President, you know, coming in with the chainsaw, they want to cut rates so aggressively, this administration, and Jerome Powell has sort of been a buffer against that, and Naresh has been using the term disinflation. I don't want you, the listener, to confuse that with deflation. Deflation means an increase in the purchasing power of your dollar, something that we rarely see. Disinflation means a slowing in price increases, meaning the rate of inflation goes down. And yes, I think it's been pretty obvious, and I've stated on the show before as well, that the Fed cares more about the employment situation than they do the inflation situation, probably, and you as an investor, you need to be careful what you wish for, because low rates sound really good, and they can be, but high employment typically correlates with high interest rates of all types, and lower employment typically correlates with low rates of all types. Rates get lowered because they know that the economy needs the help so you can't get both. You can't get both high employment and low rates. That condition doesn't persist for very long. And the Naresh during this part of the cycle, it's really been unusual and interesting at how new build properties have such advantages for investors today, including the aberration that the median new build property costs $33,500 less than the median existing property. That data is per the NAR when we think about new build property. Well, wait, first of all, that sounds amazing, and some people are incredulous about that, but there are reasons that the average new build property costs less. A lot of times the size is smaller. A lot of builders are building further from city centers. So I think before an investor gets in and buys a new build property, one really important question for them to ask is, oh, okay, well, how far is that property from an employment center. But otherwise, it's really the right time in the cycle for new build. New build can make your investment more passive. You know, you've got new fixtures, of course, and a warranty, and you're going to have lower insurance costs as well, typically, on a new build property. And Naresh, as you're talking with our followers and investors about new build property. I'm just kind of wondering, do you get more people that want to self manage the property because it's new build, because they figured that their maintenance and repair requests are going to be fewer? Or what do you see in there?   Naresh Vissa  32:35   No, not at all. Because the strength of GRE is that we connect investors, we coach investors so that they can own real estate around the country. They're not owning real estate in their neighborhood or in the area that they live in. We only focus on markets that make sense, generally linear markets, state friendly landlord friendly states, those other markets we are focusing on. So even with new builds we are seeing, I would say 100% of investors saying, hey, I want professional property manager, managing the property that's extremely, extremely common, that is the norm. I will also say, with new builds you brought up earlier, when you introduced me, I own several properties. The last two properties I bought were new construction. Were new builds. Yeah. And I personally comparing the first six properties of rehabs to my last two, which were new builds, I've had far fewer issues with the new builds, not just far fewer issues. I would say overall, the profitability has been greater with the new builds, despite the pro forma initially showing that I would barely Break Even now, I did buy several several years ago before all this appreciation and inflation hit. But it certainly helped a lot to have new builds where the maintenance is far lower and where the quality of the tenant is extremely high. So I generally recommend our investors, if you have the capital available, and generally, just to keep things simple, I say if you have $100,000 in liquid cash ready to go, there's no reason why you shouldn't be buying a new build. Would I waste my time with the rehabs, with the burrs. I mean, those could be profitable too. You should never say no to anything but the new builds. I've slept better at night because of those reasons, because I know at least for the first 10 years that there aren't going to be any major problems and the quality of the tenant is going to be far higher. So I'm a huge fan of new builds, not pre construction. Pre construction means you're buying a plot of land, and then you hope that the builder is going to build a home on top of it. And most of the time, the builder does, but many times, as we saw during the pandemic, there were key. Countless stories around the country of developers selling pre construction and then nothing ever got built. They ended up flipping the land and generating a profit off of it. I don't recommend those at all, but new construction is the way to go. And I'll also add one more tidbit about the previous topic that we talked about, regarding interest rates also remember that lower interest rates mean that the government and their debt they're going to be paying, they can refinance their debt and pay lower interest on their debt when interest rates go down. So that's also going to help reduce the the deficit, and it's going to help reduce the debt as well. So that will help bring inflation down.   Keith Weinhold  35:42   We're talking about buying a property that's already built with new construction, and in a lot of cases, like we'll talk about shortly, it's already tenanted for you as well. So it really reduces the guesswork and the waiting. And of course, new build properties tend to appreciate better than existing properties. So, yeah, tell us more about new build properties, because they tend to be in Florida and Texas that really has an outsized number of them right now. And that's where the builders are really giving incentives when we talk about appreciation, and where we think about appreciation going in the future. You know, appreciation has been really tepid, really boring. Prices have even contracted a little in some Florida and Texas sub markets, but with the long term trend, visual capitalists just shared a terrific map from today to 2050 for example, the Texas population is expected to grow 27% one of the fastest growth states that there is going to be. And a lot of people say, Oh, isn't it going to pass California in population soon? No, not anytime soon. It'll be decades. California is expected to grow 8% over the next 25 years, but Texas is a place where the numbers still can make sense on new build, because you have some overbuilding. So some builders are really incentivized to give you a good deal.   Naresh Vissa  37:06   Well, there are several markets in general. Let's just talk about it. You use an important term, which is appreciation. With new builds, the likelihood of appreciation is greater. This is statistically backed up. You can go check your sources, but the likelihood of appreciation is far greater with new builds compared to older rehabs, a property that's 50 years old, six years old. In fact, those properties probably appreciated early on in their life cycle, and that's just generally how it works. So with new builds, I say look, cash flow is still important. Cash flow is one of the tenets of real estate paying five ways. It's one of the core tenets of get rich education. But you also have that appreciation play with new builds. Again, it's about markets, because if you're buying a new build in, let's say a California or a New York or a New Hampshire, some really anywhere in the northeast, then it is somewhat of a speculative play, depending on the price point, depending on a lot of different other factors. But when you're talking about the markets that we operate in at GRE you brought up two of them, Florida and Texas. There are other markets, like in Tennessee and Oklahoma, where we have new constructions, and they are also positive, cash flowing, high appreciation place. So you just never know what's going to happen. I bought a new construction, for example, just outside of Memphis six years ago. It was just outside of Memphis in Mississippi six years ago, and I bought it for purely cash flow purposes. The pro forma looked good. Property was brand new. It was near several areas where there were many jobs. So I said, Hey, this is a good cash flow play. And I even remember asking my sales agent, hey, what do you think about appreciation? I usually never buy for appreciation, but this is a new construction. What do you think? And he said, You know what? I don't know if this is really going to appreciate that much. I'm not really sure about that. So I said, that's fine. I like the cash flow. Well, fast forward, six years later, as I said, we you just never know what's going to happen. We saw this inflation. We also saw an influx of people migrating into Tennessee, migrating into Mississippi, especially that Mississippi Tennessee border migrating into the Memphis area. Now we have the Trump administration, sent in the National Guard  about about a month ago, sent in the National Guard into the Memphis area, and they haven't left. They're still there, and crime has is at least based on the numbers that crime has really the National Guard has made a big difference on crime, and that's usually the number one deterrent for a market like Memphis. The point that I'm making here is that you just never know what's going to happen with these new construction builds. If you can get positive cash flow, I always tell our listeners. Shouldn't buy a new construction that's negatively cash flowing. You still want to protect yourself. You don't want to be paying money out of your bank account to own a property. Money should be coming in. So you still want to be positive cash flow. And the appreciation is a huge, huge plus, even in areas that you would not think or that you would not expect to appreciate all that much.   Keith Weinhold  40:22   Appreciation just is not as much of a story over on some other platforms, perhaps, or the way that people think about it, because if you pay all cash, appreciation isn't that good for you, but you're leveraged at four to one or five to one with a 20 to 25% down payment, which can really give you those outsized rates of return, which aligns with what we talk about here at GRE Well, we have a live upcoming virtual event. It is this coming Thursday, and before I ask you if you have anything else to tell the audience here as we wrap up, Naresh, it is hosted by you. So it is co hosted by our own in house investment coach Naresh, and our guest that you heard last week here on the show radio veteran Adam. The Event Thursday is called how to scale your portfolio with tenanted cash flowing new construction properties where you can get up to $41,000 cash back after closing, we talk about these builder incentives. So today's real estate market is really giving buyers opportunities for new builds that I haven't seen, maybe ever. Builders are incentivized to move their properties, and we've made headway with builders to get you up to a 10% cash back incentive at closing when you purchase, you can either take the cash at closing or boost your cash flow by buying down your rate, perhaps get some rent credits, so learn how you can take advantage and really prime yourselves for moves today that are going to lead to your success in coming years. And we have tenanted again, tenanted already occupied new build properties in hot markets like Houston, San Antonio, Dallas, Texas, ready for you to purchase with up to that 10% builder incentive so that you can cash flow from day one. And these properties are really in high quality communities, primarily owner occupied, high appreciation, upside, solid rent growth. So learn the strategy, learn the markets and even see available new build income property. The benefit of you attending is that you can have your questions answered in real time by Naresh or Adam. You can sign up for that now at grewebinars.com It is Thursday, November 13, at 8pm Eastern. Any last thoughts as we lead into Thursday, Naresh?   Naresh Vissa  42:45   Gre, webinars.com gre, webinars.com go to that website to register for our free online special event. It will be live. I'm going to be there with Adam. You heard on last week's podcast, we've got some great deals and great incentives, like what you said, Keith, and they're all new constructions. They're all new constructions, mostly in Texas. And these are major markets in Texas too. We're not talking, yeah, many of our followers and listeners, they see a new construction, and they're like, I've never heard of this place in Alabama, or I've never heard of this place in Oklahoma. These are in legitimate suburbs, areas outside of Dallas, Houston, San Antonio, some of them are even in Dallas, Houston, San Antonio proper. So these are markets that everybody is familiar with. It's not some podunk town that you may have seen on our GREmarketplace or GRE spreadsheet in an Arkansas or in Alabama. These are mostly in Texas. The incentives are great, and these are national builders as well. These are not small, no name, Mom and Pop builders. These are national builders who we are working with to offer these special incentives. These are names like you've heard. Many people have heard. Some of them are publicly traded companies like an LGI, that's a very large national builder. That's who we've partnered with to get these deals so grewebinars.com is the link to register for our online special event. GREwebinars.com. I hope to see all of you this Thursday,   Keith Weinhold  44:31   major builders, major markets and major incentives on new build property. You're going to hear more from Naresh on Thursday, it's been great having you back on the show.   Naresh Vissa  44:43   Thanks a lot. Keith   Keith Weinhold  44:50   oh yeah. Naresh does a better job of hosting GRE webinars than I do. In my opinion, you'll remember that I hosted them myself until 2020 23 but you know, maybe I'll come on to a future event for just the first five minutes on one of the upcoming ones, and give an intro before I let the real pros take over. This event is called really just what it is, how to scale your portfolio with tenanted cash flowing new construction properties. It's co hosted by Naresh and Adam, who you met last week. I have never seen this before, where the builder is giving you a fat 10% discount after closing, 10% you can use those 10s of 1000s of dollars to buy your rate down into the fours or other things like use it toward a down payment on another property, pair it with DSCR loans and pay no mortgage insurance on either property. You could buy one property or two properties or 18 properties through the event and DSCR loans. You might remember that means no time consuming income verification, no concerns about your debt to income ratio or W twos or tax returns. We'll show you how to do it all. Like Naresh was saying, we eat our own cooking. We ourselves. Here at GRE are investors too, and we are buying new build for our own personal portfolios. The time is right for this. It wasn't a few years ago, and a few years from now, it probably won't be either. Hundreds are already signed up for it. It is this Thursday, at 8pm Eastern. It's GRE, last event of the year. This is it one last time attend by signing up at grewebinars.com that's grewebinars.com Until next week, I'm your host. Keith Weinhold, don't quit your Daydream.   Speaker 4  46:59   Nothing on this show should be considered specific, personal or professional advice. Please consult an appropriate tax, legal, real estate, financial or business professional for individualized advice. Opinions of guests are their own. Information is not guaranteed. All investment strategies have the potential for profit or loss. The host is operating on behalf of get rich Education LLC, exclusively. You   Keith Weinhold  47:27   The preceding program was brought to you by your home for wealth building, get richeducation.com  

John and Laura-Lynn expose how hidden doctrines, secret networks, and unchecked apostolic authority connect modern revival movements back to William Branham and the Manifest Sons of God theology. Laura-Lynn recounts her firsthand experience within Art Lucier's circles and the unfolding allegations surrounding Daystar Canada and other NAR leaders, revealing patterns of moral failure, financial misconduct, and abuse of power. John connects these events to Branham's early networks with Roy E. Davis, the Full Gospel Businessmen, and even Christian Identity roots—showing how these old engines of influence continue to power modern charismatic movements. Together they call believers to discernment, courage, and truth, reminding listeners that exposure and repentance must precede revival.______________________Weaponized Religion: From Christian Identity to the NAR:Paperback: https://www.amazon.com/dp/1735160962 Kindle: https://www.amazon.com/dp/B0DCGGZX3K ______________________- Support the channel: https://www.patreon.com/branham - Visit the website: https://william-branham.org

Diventa un supporter di questo podcast: clicca qui.➨ Iscrivetevi al nostro canale Telegram: clicca quiNel primo contributo proponiamo la deposizione, in qualità di imputato, di Valerio Fioravanti (Bologna, 22 dicembre 1993) nel corso di un'udienza del secondo appello per la strage del 2 agosto 1980. Nel secondo contributo (Roma, 10 novembre 1989), durante un'udienza del processo d'appello per la strage di Bologna, Fioravanti racconta alla Corte i dettagli dell'assalto a Radio Città Futura, avvenuto a Roma il 9 gennaio 1979.Si ringrazia Radio radicale per la condivisione dei reperti. Tra i principali temi toccati durante le deposizioni: 1) «I vecchi gruppi? Hanno lavorato per anni e non hanno prodotto niente»; 2) «Ci hanno attribuito 35 omicidi. E c'è un motivo se sono stati fatti»; 3) «Nessuno dei pentiti Nar ha detto qualcosa sulla strage di Bologna»; 4) Sulla teoria della «banda super segreta»; 5) «Non bisogna confondere un gruppo misterioso come Avanguardia nazionale con un gruppo esplicito, noto, dissezionato in tutti i modi»; 6) «Il pregiudizio verso di noi? Essere troppo giovani per aver fatto tutto da soli»;  7) «Dopo Acca Larentia volevamo vendicarci del Msi»; 8) «Le 250 mila pagine di atti processuali? Strategia della confusione»; 9) Sulla vicenda delle cartelle cliniche di Massimo Sparti; 10) «La strage? Ho una mia idea»; 11) Sul «tatuaggio» di Picciafuoco; 12) «Il nostro controllo sulla piazza romana? Non attraverso i libri»; 13) L'azione a Radio città futura; 14) I «messaggi verso destra» e verso «la sinistra». 

Mantles. Alignment. Anointing. These are but a few of the words that may be familiar to those who have been in the New Apostolic Reformation movement. Some leaders have created dictionaries of words to know the definitions of associated words. Those who have never been involved in this belief system may find it difficult to navigate a conversation with those who are in it. Join me along with Mike Beckett as we discuss some of the NAR buzzwords.Watch the rest of this discussion here at the Dead Prophet:https://youtu.be/Xn7YQGVYwMg?si=WiI7_hFTlFxFUi2FMy info:Website: http://www.lovesickscribe.comSubscribe to my blog here: http://eepurl.com/dfZ-uHInstagram: https://www.instagram.com/lovesickscribe/Facebook: https://www.facebook.com/lovesickscribeblog

7 de novembro é oficialmente o Dia do Radialista no Brasil. A data substitui o 21 de setembro, que ainda é lembrada por muita gente do meio, por ser o dia em que foi estabelecido o piso salarial da categoria em 1943.7 de novembro é o Dia do Radialista por causa do nascimento do compositor e radialista Ary Barroso, em 1903. Muita gente conhece Ary por composições como Aquarela do Brasil e Na Baixa do Sapateiro, esta em parceria com Dorival Caymmi. No entanto, ele também foi um dos grandes nomes da história do rádio no Brasil e pioneiro em estilos de programa e criações para o meio. A estreia de Ary se dá em 1932, momento em que o rádio começa a se popularizar. É nesse ano que a propaganda é autorizada por Getúlio Vargas e marca um novo tempo para as emissoras, que, com mais verba, passam a investir na contratação de grandes nomes da música popular e artistas de talento em diversas áreas. Ary Barroso começa a ganhar destaque dois anos depois do início da carreira de radialista. Na Rádio Kosmos, de São Paulo, ganha o Hora H, que também teve uma temporada na Rádio Cruzeiro do Sul, no Rio de Janeiro. Neste episódio, você vai conhecer os grandes momentos da carreira do radialista Ary Barroso. Capítulos:00:00 Abertura00:14 A origem do Dia do Radialista em 7 de novembro 01:00 A trajetória de Ary Barroso no rádio, desde a estreia na Rádio Kosmos, em 1932, até o momento em que apresenta o programa “Calouros em Desfile”, na Rádio Tupi. 02:08 Como era o programa “Calouros em Desfile”02:39 Abertura e trecho do programa “Calouros em Desfile”03:56 Como foi a participação de Elza Soares no programa de calouros apresentado por Ary Barroso, em 195305:31 O programa de auditório Toque Maestro promovia uma competição entre pessoas da plateia e os músicos da atração, como Pixinguinha06:23 Abertura do programa Toque Maestro e trecho do programa09:45 José Vasconcellos, no show “Eu sou o Espetáculo”, de 1960, imita Ary Barroso como apresentador do programa “Calouros em Desfile”17:00 Radioteatro “Ary Barroso: Sua Gaita e sua História”, levado ao ar no primeiro dia do ano de 1950, pela Rádio Tupi20:18 Ary Barroso conta como foi a infância, desde o nascimento em Ubá, Minas Gerais. Aos 8 anos, fica órfão e passa a ser cuidado pela avó22:50 Aos 10 anos de idade, Ary Barroso começa a tomar contato com piano25:00 Com 17 anos de idade, deixa Ubá e vai tentar a sorte no Rio de Janeiro, onde estuda Direito e toca piano em orquestras para sobreviver28:05 Em 1936, vai com Luiz Peixoto a São Paulo. Ambos passam a trabalhar na Rádio Kosmos, onde Ary Barroso atua em programas humorísticos29:49 O jornalista e biógrafo Sergio Cabral conta como surge a ideia de utilizar uma gaitinha como marca sonora nas transmissões esportivas, na hora do gol33:11 Ary Barroso explica como chega ao som de uma gaita como “vinheta” para marcar a hora do gol nas transmissões de futebol que fazia pela Rádio Tupi37:49 Em 37, faz a primeira viagem aérea para narrar a final entre Argentina e Brasil no Sul-Americano. O jogo acontece em Buenos Aires, no campo do San Lorenzo, em clima de guerra. Ary sofre agressões por ser brasileiro41:20 Em 38, o radialista é transferido da Rádio Cruzeiro do Sul para a Rádio Tupi, onde passa a ganhar um salário mais de 3 vezes maior43:40 Ary Barroso enfrenta exclusividade da “Rádio Byington” para a transmissão de jogo entre as seleções Paulista e Carioca, em 1941, e narra a partida diretamente do Palestra Itália, em São Paulo46:00 Entrevista com Flavio Barroso, filho mais velho de Ary Barroso, nos anos 80, para o Jornal do Brasil. Ele conta que a música mais importante para o pai era Terra Seca, uma composição que foge ao “ufanismo” com o qual fica conhecido. 47:35 Ary Barroso treina a qualidade de sua oratória em um bar de Ubá, ainda na mocidade50:57 Aquarela Brasileira, samba-enredo de 1964 da Império Serrano, é apresentado na avenida. Enquanto era homenageado, Ary Barroso morre de pneumonia em decorrência de uma cirrose hepática

John Collins traces the disturbing historical and theological roots linking William Branham's teachings to modern megachurch culture through Robert Morris and Gateway Church. Drawing from detailed research, he shows how Branham's "spoken word" doctrine and authoritarian "Moses model" structure evolved into today's New Apostolic Reformation, creating a cycle where abusive leaders are elevated again and again. John explores how figures like Roy E. Davis, Gordon Lindsay, and Jack Hayford bridged these movements—from early Christian Identity and Latter Rain to the prosperity gospel and NAR. This episode exposes how Branham's anti-biblical view of Christ as a "spoken manifestation" echoes directly in Robert Morris's sermons, proving that cultic theology can resurface even in the largest churches of modern evangelicalism. ______________________Weaponized Religion: From Christian Identity to the NAR:Paperback: https://www.amazon.com/dp/1735160962 Kindle: https://www.amazon.com/dp/B0DCGGZX3K ______________________- Support the channel: https://www.patreon.com/branham - Visit the website: https://william-branham.org

Special Episode!Between July and September 2025, we did something crazy: we pretended to be homebuyers and called 281 real estate agents across 26 cities to see what they're ACTUALLY telling consumers about commissions post-settlement.The NAR settlement was supposed to introduce price competition and transparency. So what happened?In this special one-off episode, I break down what we found:Why agents in 8 major cities ALL quoted the exact same rate (down to the decimal point)The #1 lie agents told us over and over (spoiler: it violates the DOJ-NAR agreement)How three agents in one Cincinnati suburb likely misled 175 consumers in a single yearThe one bright spot: two-thirds of agents WILL negotiate if you push back (they just won't tell you that)Tactical advice for home buyers and sellers entering the marketWhether you're buying, selling, or working in the industry, you need to hear this.Read The Full ReportGet Help Finding An AgentGot a question?State laws and regulations may vary.Have a story you would like to share with other sellers or buyers?Hit us up here.

Em mais um episódio mensal, o programa Entender Direito abordou em profundidade o instituto jurídico da ação rescisória. Essa classe processual autoriza, excepcionalmente, a reabertura de casos judiciais com trânsito em julgado. A jornalista Fátima Uchôa conversou com a advogada Luciana Robles de Almeida, mestre e doutora em direito pela Universidade Federal do Rio Grande do Sul (UFRGS), e com o professor e adjunto do Advogado-Geral da União, Paulo Mendes. Os convidados abordaram os desafios técnicos e jurídicos da ação rescisória, destacando uma série de precedentes do Superior Tribunal de Justiça (STJ) que admitem as revisões extraordinárias. Entender Direito é um programa mensal que traz discussões relevantes no meio jurídico, com a participação de juristas e operadores do direito debatendo cada tema à luz da legislação e da jurisprudência do STJ.       Confira a entrevista na TV Justiça, às quartas-feiras, às 11h30, com reprises aos sábados, às 7h. Na Rádio Justiça (104,7 FM – Brasília), o programa é apresentado de forma inédita aos sábados, às 7h, com reprise aos domingos no mesmo horário.         Além do canal do STJ no YouTube, está disponível nas principais plataformas de podcast, como Spotify.

The rise of the New Apostolic Reformation (NAR) and the “Seven Mountains Mandate” has shaken modern Christianity. Promising revival and world transformation, this movement has quietly replaced biblical humility with a global vision of Christian dominion. One that mirrors the world's hunger for control and power.Video Version available immediately upon release at 9:00pm ET/8:00pm CT athttps://youtu.be/y3qRZO7e4nsIn this powerful episode, JD Williams and David Paxton expose the spiritual deception behind the NAR's claims. They unpack how its modern “apostles” and “prophets” distort Scripture, how the Seven Mountains ideology redefines the Great Commission, and why this movement's pursuit of political, financial, and cultural dominance stands in direct opposition to the Gospel of Jesus Christ.Through Scripture-centered analysis, the hosts reveal the truth about the Kingdom of God. Not a kingdom built through human strength or social conquest, but one established in the hearts of believers through repentance, faith, and obedience to Christ alone.The episode challenges listeners to return to the simplicity of the Gospel, to reject false unity built on personalities and movements, and to stand firm in the Word of God amid a growing flood of deception. The Church's calling has never been to rule the nations. But to serve them with the message of salvation through the cross.To Support our International Ministry or to learn more.  Please visithttps://www.lastchristian.net/

The rise of the New Apostolic Reformation (NAR) and the “Seven Mountains Mandate” has shaken modern Christianity. Promising revival and world transformation, this movement has quietly replaced biblical humility with a global vision of Christian dominion. One that mirrors the world's hunger for control and power.Video Version available immediately upon release at 9:00pm ET/8:00pm CT athttps://youtu.be/y3qRZO7e4nsIn this powerful episode, JD Williams and David Paxton expose the spiritual deception behind the NAR's claims. They unpack how its modern “apostles” and “prophets” distort Scripture, how the Seven Mountains ideology redefines the Great Commission, and why this movement's pursuit of political, financial, and cultural dominance stands in direct opposition to the Gospel of Jesus Christ.Through Scripture-centered analysis, the hosts reveal the truth about the Kingdom of God. Not a kingdom built through human strength or social conquest, but one established in the hearts of believers through repentance, faith, and obedience to Christ alone.The episode challenges listeners to return to the simplicity of the Gospel, to reject false unity built on personalities and movements, and to stand firm in the Word of God amid a growing flood of deception. The Church's calling has never been to rule the nations. But to serve them with the message of salvation through the cross.To Support our International Ministry or to learn more.  Please visithttps://www.lastchristian.net/

El restaurante Azteca de Narón se prepara para celebrar este fin de semana el Día de los Muertos, la tradicional festividad mexicana que honra a los difuntos con alegría, flores, música y comida. La iniciativa, liderada por Roche Núñez, combinará elementos de Halloween y Samaín con la tradición mexicana, ofreciendo a los comensales un menú degustación con platos típicos de estas fechas y un altar de muertos recreado con proyecciones que simulan un cementerio lleno de flores. Además, se podrá disfrutar de un espectáculo con la participación de una llorona cantando y otras sorpresas, en un evento pensado más para recordar y homenajear a los que ya no están que para generar miedo. La celebración transmite la esencia de esta tradición, que busca mantener vivo el recuerdo de los seres queridos a través de la comida, la música y la alegría, trasladando a los asistentes a México sin salir de Galicia. El evento ya registra aforo completo, reflejando el interés por esta experiencia cultural y gastronómica.

Pulpa es una banda de rock originaria de Narón, formada por cuatro amigos de toda la vida: Julián, Nelson, Javier, Berto y Serxio. Tras años tocando juntos en distintas formaciones, decidieron profesionalizar su proyecto y crear un nuevo grupo con identidad propia. En su treintena, los integrantes acaban de grabar su primer álbum de estudio, “Ritos del nuevo Mundo”, producido por Guillermo Mostaza en los estudios madrileños Álamo Shock. Durante el proceso, comprendieron adoptaron el nombre Pulpa como símbolo de lo esencial y auténtico de su música. El disco, grabado íntegramente en castellano, representa un salto valiente para la banda, que busca expresarse de forma más directa y sincera. Su sonido combina rock de los 80 y 90, con influencias de The Cure, Joy Division, Nirvana y Radiohead, logrando un estilo propio que fusiona frescura, energía y autenticidad. El primer adelanto del álbum es el tema “Acto de fe”, un single que refleja la esencia de Pulpa y deja entrever la madurez musical alcanzada por el grupo.

A group of 15 powerful real estate executives have formed a group to hold NAR accountable and not allow for the status quo that led to the groundbreaking lawsuit last year that cost them millions and rocked the industry.

On the October 28th episode of "People Not Titles," hosts Steve Kaempf and Matt Lombardi discuss the U.S. government shutdown's impact on real estate, the National Association of Realtors' internal challenges, and why younger Americans are favoring stocks over homeownership. They also review Midwest market trends, share Halloween-themed real estate stats, and wrap up with sports talk and upcoming events.**Government Shutdown Impact on Real Estate (00:00:00)****Pending Home Sales and Economic Jitters (00:01:07)****Absence of Federal Economic Data (00:02:41)****Loan Processing Delays and Market Fluidity (00:03:12)****NAR Working Group Formation and Purpose (00:04:28)****Background and Motivation for the NAR Working Group (00:05:04)****Brokerage Perspective and NAR's Response (00:07:09)****NAR Working Group Recommendations Overview (00:08:13)****Clear Cooperation Policy Critique (00:09:13)****Three-Way Membership Agreement Challenge (00:10:49)****Financial Transparency and Restructuring (00:12:26)****Independent Governance and Oversight (00:14:04)****NAR's Financial Reserves and Legal Exposure (00:16:05)****Second Century Ventures and Member Benefits (00:18:31)****NAR's Response and Strategic Planning (00:21:34)****Federal Reserve Meeting and Rate Cut Expectations (00:23:22)****Young Americans: Stocks vs. Homeownership (00:24:57)****Homeownership Costs vs. Renting (00:26:36)****Generational Attitudes Toward Real Estate (00:27:48)****Wealth Building and Real Estate (00:30:09)****Barriers to Homebuilding and Housing Shortage (00:32:08)****Coiled Spring Housing Market Thesis (00:34:33)****Mortgage Rate Snapshot and Market Data (00:36:01)****US Existing Home Sales and Inventory (00:36:40)****Illinois Housing Market Update (00:40:27)****Illinois Market Forecast (00:42:26)****Wisconsin Housing Market Update (00:42:50)****Haunted Houses and Homebuyer Attitudes (00:43:40)****Podcast Announcements and Events (00:46:47)****Chicago Bears and Sports Recap (00:47:41)****Podcast Closing and Sponsor Message (00:49:22)Full episodes available at www.peoplenottitles.comPeople, Not Titles podcast is hosted by Steve Kaempf and is dedicated to lifting up professionals in the real estate and business community. Our inspiration is to highlight success principles of our colleagues.Our Success Series covers principles of success to help your thrive!www.peoplenottitles.comIG - https://www.instagram.com/peoplenotti...FB - https://www.facebook.com/peoplenottitlesTwitter - https://twitter.com/sjkaempfSpotify - https://open.spotify.com/show/1uu5kTv...

A Christian Nationalist movement became present in previous years leading questions of its legitimacy as a Christian political lobby. The visible surge of “Christian Nationalism” had ignited in 2016 with Trump, which re-energized post-2024 election. However, has faith become politically branded with a lobby to entice voting in the Christian churches? We have to wonder if that Christian movement politically motivated rose as a spiritual force to platform God, or just become a promise to reclaim America for God under political means and operates as just another form of control. Is the Dominionism system of the NAR really for taking over spiritually for Jesus Christ, or a front for a false kingdom that replaces true faith with political allegiance?

On October 29, 2025, host Jeff opens the show with Scripture and a quick Word-on-Word segment (Philippians 4:8 vs. Romans 12:1) before moving into rapid-fire news and spiritual commentary with guest John Brisson of "We've Read the Documents." The episode blends faith-based analysis with current events, encouragement to join a community prayer call, and an interactive game for chat participation. Topics covered include the devastating hurricane in Jamaica and questions about weather modification, recent extreme weather and earthquake trends, and how these events are read through a providential and end-times lens. Jeff and John discuss the human toll, the possibility of deliberate manipulation, and the broader context of increasing natural disasters as "birth pangs" in the latter days. The pair dig into political controversies: the auto‑pen/pardon revelations (including discussion of James Comer and whether Fauci's pardon could be overturned), expected indictments, and the continuing debate over the legitimacy of the 2020 election and its downstream consequences. They also examine the influence networks behind conservative media personalities — from Foster Fries' funding ties to Turning Point USA to Candace Owens' recent probing of military connections among influencers — and the complicated question of guilt by association. Jeff and John address QAnon-era actors (Praying Medic, Tracy Beanz, Michael Flynn connections), debate whether Q posts were orchestrated or prophetic, and warn about esoteric and Gnostic influence on Christian audiences. The conversation includes concerns about false prophets, dominion theology, and how some Christian voices have been attracted to conspiratorial or esoteric frameworks. A highlight of the episode is a short interactive "gnarly words" game centered on a clip from the White House prayer team. Jeff and John break down NAR/dominionist language — declarations, territory-taking, shaking/quaking imagery, and claims of bringing heaven to earth — and invite listeners to spot troubling phrases and discuss how to discern prophetic versus manipulative rhetoric. Practical, pastoral moments appear throughout: a reminder to love God and neighbor, an appeal to support local communities and the hungry, and a frank discussion about food stamps, fraud, and compassion for immigrants. Jeff closes with final reflections, a fundraising update, and an invitation to the evening prayer call, encouraging listeners to stay engaged in faith and community amid turbulent news cycles. Want to Understand and Explain Everything Biblically?  Click Here: Decoding the Power of Three: Understand and Explain Everything or go to www.rightonu.com and click learn more.  Thank you for Listening to Right on Radio. Prayerfully consider supporting Right on Radio. Click Here for all links, Right on Community ROC, Podcast web links, Freebies, Products (healing mushrooms, EMP Protection) Social media, courses and more... https://linktr.ee/RightonRadio Live Right in the Real World! We talk God and Politics, Faith Based Broadcast News, views, Opinions and Attitudes We are Your News Now. Keep the Faith

The Industry Relations Podcast is now available on your favorite podcast player! Overview Rob and Greg dive into Sean Frank's Inman article, "NAR and the Real Estate Industry's Relevance Problem." They discuss how outdated MLS technology and excessive bureaucracy are stifling innovation in real estate. From permissioning delays to governance breakdowns, the hosts explore why MLS systems feel stuck in "Windows 95 mode" and debate how consolidation or standardization could spark change. Key Takeaways MLS permissioning and governance are major obstacles to innovation. Outdated tech systems like Matrix and Paragon still dominate the industry. Excessive committee layers make it nearly impossible for startups to launch quickly. Greg proposes a standardized, simplified data licensing process to fast-track innovation. Rob argues the problem stems from bureaucracy, not infrastructure or tech. NAR and CMLS lack the power to enforce national-level reform, leaving MLSs fragmented. Both agree the industry needs "fair permissioning guidelines" similar to standardized contracts in other fields. Links Inman article: "NAR and the Real Estate Industry's Relevance Problem" Connect with Rob and Greg Rob's Website Greg's Website Watch us on YouTube Our Sponsors: Cotality Notorious VIP The Giant Steps Job Board Production and Editing Services by Sunbound Studios Production and Editing Services by Sunbound Studios

A Reason For Hope with Pastor Scott Richards! Sharing the Word one question of the heart at a time. Tags: Christian Zionism, NAR, and The Millennium

Is organized real estate "going nuclear"? In this candid conversation, James and Keith sit down with Matt Widdows, Founder and Executive Chairman of HomeSmart, to talk about the seismic shifts reshaping the industry. From AI disruption and private listing wars to broker consolidation and MLS gridlock, this episode dives into what's next—and what agents must do now to stay relevant. Widdows shares how he built HomeSmart to 26,000+ agents, why agents must lead the AI revolution, and how to stay focused when the headlines are all chaos. If you're looking for unfiltered insights on technology, power plays, and the agent's future, you won't want to miss this episode. Connect with Matt on LinkedIn.   Learn more about HomeSmart on YouTube - X - TikTok - LinkedIn - Instagram - Facebook or online at homesmart.com.   Subscribe to Real Estate Insiders Unfiltered on YouTube! https://www.youtube.com/@RealEstateInsidersUnfiltered?sub_confirmation=1   To learn more about becoming a sponsor of the show send us an email: jessica@inman.com You asked for it. We delivered. Check out our new merch! https://merch.realestateinsidersunfiltered.com/   Follow Real Estate Insiders Unfiltered Podcast on Instagram - YouTube, Facebook - TikTok. Visit us online at realestateinsidersunfiltered.com.   Link to Facebook Page: https://www.facebook.com/RealEstateInsidersUnfiltered Link to Instagram Page: https://www.instagram.com/realestateinsiderspod/ Link to YouTube Page: https://www.youtube.com/@RealEstateInsidersUnfiltered Link to TikTok Page: https://www.tiktok.com/@realestateinsiderspod Link to website: https://realestateinsidersunfiltered.com This podcast is produced by Two Brothers Creative. https://twobrotherscreative.com/contact/  

Big things are happening for appraisers — and Candy Cooke is right in the middle of it. Newly elected as Vice Chair of the Real Property Valuation Committee with NAR, Candy joins hosts Hal and Jim to talk about what this role means for the industry and why it's time for appraisers to make their voices heard.She shares why representation matters, how appraisers can get involved, and what she plans to tackle in her new position (spoiler alert: she's not afraid to shake things up). If you've ever wondered how to go from “I wish someone would fix that” to actually having a seat at the table — this episode for you.At The Appraisal Buzzcast, we host weekly episodes with leaders and experts in the appraisal industry about current events and relevant topics in our field. Subscribe and turn on notifications to catch our episode premieres every Wednesday! You can find the video version of this podcast at http://www.youtube.com/@TheAppraisalBuzzcast or head to https://appraisalbuzz.com for our breaking news and written articles.

Jesus told his followers that the kingdom they represented was “not of this world”, and that they should not seek dominion of or through earthly government or armies. When Jesus commissioned Paul on the road to Damascus, He told him that he would testify before Jews, Gentiles and Kings, but that he would be separate. “Jesus answered, My kingdom is not of this world: if my kingdom were of this world, then would my servants fight, that I should not be delivered to the Jews: but now is my kingdom not from hence.” John 18:36 (KJB)

Our topic for this week and next is the development in Christendom called the New Apostolic Reformation. We'll also refer to it by its initials, NAR, as we discuss, again, this New Apostolic Reformation movement.Joining me to talk about this widespread movement within Christianity is Chris Quintana. Chris is the pastor of Calvary Chapel Cypress, which is located in Orange County, California. And Chris has been featured in the video series Wide Is the Gate, which is an apologetic documentary that deals with trends in the church that have undermined biblical faith and have drawn many Christians away from the Word of God. Chris, welcome to Search the Scriptures 24/7.Chris: Well, thank you. It's great to be on the show again. I enjoy the time with you!

In this latest edition of the recurring The Two Kens collaborative series, Fong and Kemp explain both the irony of how he died and the Right's insistence on nationwide posthumous empathy and acclaim for him. Using his own words to substantiate their opinions, they make the case that Kirk's inflammatory rhetoric should not now be santized, nor should he be lionized and honored as an American hero and icon of free speech. 

Is it time to consider downsizing—or as we like to say, rightsizing? More families are facing the challenge of saying goodbye to a long-time home. This week on Real Estate Today, we guide you through the careful process of senior relocation and the critical steps to making this transition as smooth as possible. We discuss the tough challenge of deciding what stays and what goes; ways of helping sellers feel comfortable in their new space; and tips for managing emotions. We also explore the latest generational trends in homebuying and selling, including the rising demand for multigenerational homes for families looking to combine their households. Guests include Jessica Lautz, NAR deputy chief economist; Dane Ramsden, REALTOR® and senior relocation specialist; and Mary Harmon Young, REALTOR® and senior housing professional. Plus, in our Hot or Not segment, we look at two flooring trends: polished tiles and high-gloss hardwood.

This week on Power House, Diego sits down with Leo Pareja, CEO of eXp Realty, the world's fastest-growing, cloud-based brokerage with over 83,000 agents across 27 countries. Leo discusses his transition to CEO during the NAR settlement announcement and how eXp has evolved from a bootstrapped startup to a major industry player.  He shares how eXp built a distributed workforce and why transparency in real estate data benefits everyone. Leo explains eXp's strategy of attracting entrepreneurial agents who build their own brand and how their virtual-first approach creates competitive advantages in today's hyper-localized market. Here's what you'll learn: How eXp scaled from just a startup to a global brokerage without physical offices Why 2026 will be a hyper-localized real estate market and what that means for agents The importance of transparency sharing versus private listing strategies How eXp's distributed workforce model creates operational advantages over traditional brokerages Why sellers think it's 2021, buyers think it's 2008, and the reality is neither Leo's approach to innovation and staying curious about AI and emerging technologies Related to this episode:⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ eXp Realty ​​​​Leo Pareja / LinkedIn eXp Realty | RealTrends Verified eXp Realty | HousingWire ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠HousingWire | YouTube⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ Enjoy the episode! The Power House podcast brings the biggest names in housing to answer hard-hitting questions about industry trends, operational and growth strategy, and leadership. Join HousingWire president Diego Sanchez every Thursday morning for candid conversations with industry leaders to learn how they're differentiating themselves from the competition. Hosted and produced by the HousingWire Content Studio. Learn more about your ad choices. Visit megaphone.fm/adchoices

Zillow just kicked in ChatGPT's front door, NAR's CEO says a full reset is coming, and AI is rewriting how listings look and how consumers search. Sellers are testing the market, buyers are still cautious, the Senate just advanced major housing legislation, and a surprising trend puts vinyl back on top over stucco. Welcome to tWiRE—real talk for agents, buyers, and investors who want the truth without the drama. Join us LIVE and jump into the chat: • Zillow x ChatGPT: Search wars, IDX/compliance questions, and what portal AI means for your lead flow, conversion, and brand positioning. • NAR's next chapter: What a real transparency-and-culture reboot could change for everyday business. • AI vs. Trust: Consumers are turning to AI for housing info, but they still trust great agents. How to be the pro they believe—while using AI as a force multiplier. • Agent adoption gap: Nearly half of agents say they aren't using AI. Is that your edge… or your blind spot? • AI listing “glow-ups”: Virtual enhancements, staging ethics, clear disclosures, and how to keep credibility with buyers and appraisers. • Market standoff: More new listings, but rate-fatigued buyers are picky. Pricing, concessions, and prep that actually move the needle. • Policy watch: Senate-passed housing measures—what they target (supply, affordability, resilience) and what to watch next in the House. • Build/design shift: Vinyl vs. stucco—cost, regional preferences, maintenance, curb appeal, and resale impact. Subscribe & set reminder so you don't miss it. Weekly housing intel, zero fluff—just strategies, signals, and straight talk.

The Seven Mountain Mandate is a doctrine of dominion theology that is prevalent in the New Apostolic Reformation. Leaders holding to this belief teach that Christians must conquer the seven mountains of influence in order to bring societal transformation and for the return of Christ to occur. Many may not be aware, but Charlie Kirk had several associations with leaders who are well-known in the NAR and who hold to the doctrine of the Seven Mountain Mandate.Join me as I discuss the Seven Mountain Mandate and TPUSA's affiliations with this doctrine. Resources:A Mandate Contradicting Scripture- https://youtu.be/Lsv-I7EKR_o?si=MHzLrlfs-m3BJ1RrWhy the Seven Mountain Mandate is Worth Addressing- https://youtu.be/ZjdFHcfy1Eo?si=Sa-vZ-PygeRceCeQPaula White and the Seven Moun… - The Lovesick Scribe Podcast - Apple PodcastsMy info:Website: http://www.lovesickscribe.comSubscribe to my blog here: http://eepurl.com/dfZ-uHInstagram: https://www.instagram.com/lovesickscribe/Facebook: https://www.facebook.com/lovesickscribeblog

Piráti sice v letošních volbách získali více mandátů, v nové Sněmovně ale nebudou mít žádnou vedoucí pozici. Vítězné hnutí ANO to zdůvodnilo tím, že Piráty pokládá za nejmenší opoziční stranu. Jakou budou opozicí? Hostem Ptám se já byla předsedkyně poslaneckého klubu Pirátů Olga Richterová. Opoziční strany by měly v nové Sněmovně obsadit předsednické pozice v osmi výborech. ODS má vést tři, hnutí STAN a KDU-ČSL po dvou a TOP 09 jeden. Jediní Piráti nedostali žádnou nabídku. Strana nebude mít ani místopředsedu dolní komory, jako tomu bylo dosud. Podle místopředsedkyně ANO Aleny Schillerové má uskupení Spolu (složené z ODS, KDU-ČSL a TOP 09) dostat předsednická křesla s ohledem na to, že ho vznikající vládní koalice vnímá jako jeden subjekt s 52 poslanci. Hnutí STAN pak pozice získá, protože jeho klub má 22 poslanců. Na Piráty s 18 zástupci, kteří mají z tohoto pohledu nejméně poslanců, už proto nic nezbylo. „Pirátská strana je v situaci, kdy je nejmenším klubem z pohledu těchto přepočtů,“ prohlásila včera Schillerová.Šéfka pirátského poslaneckého klubu Olga Richterová rozhodnutí ANO označila za porušení zvyklostí a zásady poměrného zastoupení. Piráti podle ní budou jedinou skutečnou opozicí vznikající vládě „Čapího a Orlího hnízda“. Naráží přitom zjevně na dotační kauzu předsedy ANO Andreje Babiše a na aféru kolem údajných výroků čestného prezidenta Motoristů Filipa Turka.Co přesně chtějí Piráti říct tím, že jsou jedinou skutečnou opozicí? Jaké plány v opozici mají? A s jakými dojmy sledují sestavování vlády Andreje Babiše?--Podcast Ptám se já. Rozhovory s lidmi, kteří mají vliv, odpovědnost, informace.Sledujte na Seznam Zprávách, poslouchejte na Podcasty.cz a ve všech podcastových aplikacích.Archiv všech dílů najdete tady. Své postřehy, připomínky nebo tipy nám pište prostřednictvím sociálních sítí pod hashtagem #ptamseja nebo na e-mail: audio@sz.cz.

Welcome back to America's #1 Daily Podcast,  featuring America's #1 Real Estate Coaches and Top EXP Realty Sponsors in the World, Tim and Julie Harris. Ready to become an EXP Realty Agent and join Tim and Julie Harris?  Visit: https://whylibertas.com/harris or text Tim directly at 512-758-0206. ******************* 2025's Real Estate Rollercoaster: Dodge the Career-Killers with THIS Mastermind!

Keith discusses the rising cost of the American dream, now estimated at $5 million, due to inflation and housing prices.  He highlights the affordable housing crisis, with more Americans living in RVs and homelessness up 18% since last year.  The NAR's "Best Week" report highlights the benefits of buying during this time, including lower prices and more favorable terms. Resources: IMPORTANT: GRE mobile app listeners - Switch to listening to the podcast on the  Apple Podcasts or Spotify app, as the dedicated GRE mobile app will be discontinued at the end of the month. Check out the free video course on real estate investing at getricheducation.com/course. Show Notes: GetRichEducation.com/575 For access to properties or free help with a GRE Investment Coach, start here: GREmarketplace.com GRE Free Investment Coaching: GREinvestmentcoach.com Get mortgage loans for investment property: RidgeLendingGroup.com or call 855-74-RIDGE  or e-mail: info@RidgeLendingGroup.com Invest with Freedom Family Investments.  For predictable 10-12% quarterly returns, visit FreedomFamilyInvestments.com/GRE or text  1-937-795-8989 to speak with a freedom coach Will you please leave a review for the show? I'd be grateful. Search “how to leave an Apple Podcasts review”  For advertising inquiries, visit: GetRichEducation.com/ad Best Financial Education: GetRichEducation.com Get our wealth-building newsletter free— text ‘GRE' to 66866 Our YouTube Channel: www.youtube.com/c/GetRichEducation Follow us on Instagram: @getricheducation Complete episode transcript:   Keith Weinhold  0:01   welcome to GRE. I'm your host. Keith Weinhold, the American dream now costs $5 million learn just what that will mean for you. The beauty of 50 year mortgages, then after 11 years, I share the most depressing thing I've ever said on the show today on get rich education.   Keith Weinhold  0:26   You know, most people think they're playing it safe with their liquid money, but they're actually losing savings accounts and bonds don't keep up when true inflation eats six or 7% of your wealth. Every single year, I invest my liquidity with FFI freedom family investments in their flagship program. Why fixed 10 to 12% returns have been predictable and paid quarterly. There's real world security backed by needs based real estate like affordable housing, Senior Living and health care. Ask about the freedom flagship program when you speak to a freedom coach there, and that's just one part of their family of products, they've got workshops, webinars and seminars designed to educate you before you invest. Start with as little as 25k and finally, get your money working as hard as you do. Get started at Freedom family investments.com/gre or send a text now it's 1-937-795-8989, yep, text their freedom coach, directly. Again, 1-937-795-8989,   Corey Coates  1:39   you're listening to the show that has created more financial freedom than nearly any show in the world. This is get rich education.   Keith Weinhold  1:55   Welcome to GRE from Norwich, Connecticut to Norwich, North Dakota, and across 188 nations worldwide, you're listening to get rich education. I'm Keith Weinhold. You probably know me by now, but if you're new, I am an active member of the Forbes real estate Council. You can see my work in the USA Today. And of Paramount import, I am an active real estate investor. We're talking about America's top shaved mammal on a microphone here, but suffice it to say, this mammal has at least shaved just how can this slack jawed mammal persist in this environment? Well, I don't know, but I've been doing it here for more than 11 years now. More on that later. This is episode 575, and each episode's release is a bigger deal than releasing the Epstein files. Today is no exception, although today's show release will get fewer people in trouble than the release of the Epstein files. Speaking of people in trouble. It is the middle class. It's the average American and the average Canadian too, because it now costs $5 million to fuel the American dream. But yet, at the same time, hordes of people are now going the other direction, and they're getting poorer. The affordable housing crisis that we've talked about here seems to probably still have not reached its crescendo. Or perhaps, if you know music, it's the opposite a diminuendo. Things are getting to a low point. How bad is it? Getting well priced out of a permanent home. More and more Americans are living full time on RVs, not like nice, fancy RVs either. Beaters. 486,000 Americans are now estimated to live in RVs because they are out of options. And the more soul crushing part of this is that that number has more than doubled just since 2021 I've got two minutes of astonishing audio footage of this to share with you shortly about the RV living homelessness is up 18% Since last year, that figure is sourced by HUD. HUD has the best stat set on homelessness, and that's a problem that's increasingly visible in your own city, more likely than not. And you know, I have personally gotten into more than just surface level chats casually with food servers and baristas, just these quick chats with them. And you know what they divulge to me, that they're living in their car. Yeah, I'm not probing and asking about that sort of thing, but they just share that with me, yeah, food servers and baristas that I just met. They will often tell me that they're living in their car within five minutes of chatting with them, and when they do that, by the way, it also makes me wonder if they're trying to get me to feel bad for them, and they're freely telling me that just to get a tip from me. Well, today, mobile homes are even being coveted. I mean living in a trailer park that is affordable housing. We covered that on last week's show now the real estate company Redfin and Ipsos, they conducted a survey of more than 4000 US homeowners and renters, and they asked respondents about the struggle to afford housing. And it was astounding to learn that to string together a life where they have stable housing, how people are doing all these things, they're delaying having children, they're getting rid of their pets, and some are going through the discomfort of living with an ex spouse just to have affordable housing, as far as what is now almost half a million Americans living full time on RVs and growing since they can't afford a home. NBC covered this, and it is sad. Let's listen into just how squalid the living conditions are, quickly profiling two people as this reporter goes on their tiny RVs. I mean, as you listen to this, okay, keep reminding yourself, keep telling yourself this is America today. And as you'll see, this isn't even in a high cost part of the nation that we're about to profile here again, tell yourself this is America today. Well, this NBC field reporter gets shown the insides of two different RV units by two separate owners, each living by themselves, first a man and then a woman. This is about two minutes in length    Speaker 1  6:53   for Gus Francis. This is home a 20 year old camper he bought for $5,000 parked in an RV lot in Graysville, Tennessee, just north of Chattanooga. I got all my rosaries for protection everywhere. Books, books, books. now retired, he worked for decades as a commercial diver and hoped to live closer to his widowed mother, but when he sought a more conventional home, I just can't see how people with their normal job making 15 bucks an hour can afford an apartment without multiple roommates. Meals are made in the microwave, the stove unused for fear of a gas leak. Right next door is Debbie Williams. She sold her house in Kentucky to be closer to her grandchildren, but housing prices near Chattanooga increased by almost 50% since 2020 apartments are like about 1200 a month, but then you got your utilities to pay. This is permanent, plus it include is like 550 a month includes electric water, saving over everything. It includes everything. Debbie works nights, helping adults with disabilities, and says she likes her setup, even if the exercise bike doesn't fit inside. Okay? I like my shower. It's really nice. And then my bedroom, Debbie and Gus now among the nearly half a million people in the US living in RVs full time. I sometimes thought, Man, if I could have saved more money in the past. But what it was is, I don't blame myself, either, because I raised four kids with no child support, despite the tight quarters, plenty of room to build a community that matters. Ellison Barber, NBC News, Graysville, Tennessee   Keith Weinhold  8:46   gosh, cramped and modest conditions there again. Tell yourself this is America today, and see, here's the thing. From all outward signs, these two people profile. They're not substance abusers. They're not criminals that can't get a job. These are American workers that have been productive people throughout their lives. The first guy, Gus said he worked for decades as a commercial diver, and that part of Tennessee, it's not a place in the nation where the cost of living is exorbitant, either the crux of the problem here is not just the wave of inflation that started in 2021 the essence of it is the fact that inflation has outpaced wage growth. Will you ever get to having a $5 million net worth? Because that's what it takes to live the American dream today. Now, a while back, I told you how, if you amass $5 million really that's the number, that's the threshold where you could probably stop working and just invest such that you could live off it forever. But inflation. Changes that and it keeps upping that number. Well, since then, Investopedia recently came up with this $5 million price tag that's just for living the American dream in today's dollars. Let's look at what that really means, and then we'll add up the spending categories. This is really interesting. All right, the definition of the American dream. What that means is owning a home, raising two kids, retiring comfortably, and maybe throwing in an annual vacation or two. So a nice life, for sure, but nothing extravagant and okay, yes, there is this other angle of like, Money cannot buy the best things in life, and that's true. There's a lot to be said for that, but this is not a relationships in a dating show, okay? So that's why I'm covering the financial angle here, and later today, I'll tell you how much the typical American makes throughout their lifetime, which is much less than 5 million bucks. But to get to that exact $5 million total, which is the least that you now need in net worth, the estimated lifetime costs of eight milestones most often associated with a dream were added up by Investopedia. And now, of course, everyone's dream is different, and housing costs differ nationally. But, I mean, this is pretty reasonable. Here they are. This is how much it takes for each of them today. And I'm doing some rounding retirement, over $1.6 million that's what it takes now. Healthcare, 414k this is all spent over the course of your lifetime, a wedding 38k And I hope that is wedding singular, not weddings plural, owning a home, 957k raising two children and paying for college that costs. 876k and then owning a new car, that is another 900k Yeah, that sounds like a lot, but that will include costs of financing and insurance and depreciation on cars throughout your life, and then a yearly vacation is 180k throughout your life, and pets, 39k All Right. There it is. That is the $5 million total for the American dream. And again, that is only in today's dollars. Inflation will, of course, make all of these future costs run up. All right, housing is really the biggest part of the dream. I mean, second to retirement anyway, all right. Again, the lifetime cost of housing, like I said, is 957k just a year ago, it was 930k okay, well, the national median list price of a single family home is about 430k I guess that makes sense. Most people live in multiple homes throughout their lives. Well, the price per square foot is up 50% just since 2019 that is what is pricing people out. That is what is making people become your renter instead of a homeowner. Well, this $5 million required for the dream, that is why more people are homeless or more people are living in RVs. This means that the demand for the product that you're providing to the marketplace affordable housing, that demand is considerable, and that demand is durable, and the median lifetime earnings for one American with a bachelor's degree is only $2.8 million. All right, so that's just over half as much as it takes to live the dream. But here's what's appalling. Are you ready? Here we go. This could be the most depressing and concerning stat you've heard on this show, maybe one of the most depressing and concerning in your entire life when you really think this through. All right, now, what do you think of as sort of a model for someone that is stable? How about both married and a homeowner? I mean, yeah, they're two big markers, married and home ownership that is foundational stuff when your kids grow up to be adults, if they become married in a homeowner. I mean, come on, who would be disappointed with that? That would probably make you feel proud and fulfilled. I mean, the future of the nation that is children and stable household formation material, right there. Well, by age 30, how many people do you think are married in a homeowner today, and how has that changed over time? What do you think this is the percent of 30 year olds who are both married and homeowners in the US? Right back in 1950 it was 52%.  today Okay, it is just a quarter of that. Only 13% of American 30 year olds are married homeowners today. Gosh, is that appalling? Or what? I mean, it doesn't exactly give you hope for the future, since Owning a home is a key pillar of the American dream, then the best thing that our local, state and federal lawmakers can do is to make it easier to build new housing. That is one of the most depressing stats I gave in 11 years of doing the show, probably the most depressing another thing we can do is not protest or block new development, no nimbyism.    Keith Weinhold  15:45   Now, earlier this year, the White House announced that they are considering declaring a national housing emergency. In fact, you saw me put a link to that in the section of our newsletter that we call the five, though we haven't seen a national housing emergency declared yet. If we do it all, the motivation behind it is largely to make housing affordable. One piece that's been floated out there is the introduction of a 50 year mortgage so that way mortgage payments are spread out and made lower than they are with the most popular mortgage in America today, by far, the 30 year fixed rate mortgage. Now, I wouldn't say that a 50 year mortgage is eminent and is about to happen. We can't say that, but it could be creeping closer. I mean, a 40 year mortgage that is already more of a thing. You've got 40 year HUD loans and 40 year DSCR loans both already here for residential property. We do know that buyers buy property more so based on a payment than they do the overall price of the property. Now look, I'll tell you if I could somehow magically snap my fingers and convert all of my 30 year mortgage loans over to 50 year loans. Oh, I sure would. It would lower my payment and increase my cash flow. Yes, my debt would hang around longer and well, we're right back to, you guessed it, financially free beats debt free. Let's run that comparison on a 300k loan at 6% interest, a 30 year mortgage payment, that is 1800 bucks a month, but on a 50 year loan that would be just 1580 Yeah, $1,800 versus 1580 1580 Well, that is going to boost your cash flow by $220 a month on that property, just by going from a 30 year to a 50 Year at the same interest rate. So maybe not as much of a difference as you thought, but probably worth doing, at least in the mortgage world debt free. I mean that concept of debt free that makes most people, in exchange for that debt free condition, grind and toil and work overtime and lose family time and eat dirt for decades because inflation and all these other forces work against them. And yes, this is just with mortgage debt that I'm talking about here. Of course, some debt is bad, like unsecured, high interest rate credit cards or doing a buy now, pay later, plan on a pizza that you split into four payments. That's ridiculous. And those are the type of debts you've also got to pay yourself. That's not what we're talking about here. In fact, it gets even worse for the mortgage debt free person. That extra $220 you're paying by having a 30 year loan instead of a 50 year loan, that would mean you're accumulating more dollars in home, which are illiquid. And again, 50 year loans don't exist yet, but understanding this concept and this trade off helps you be a better investor. Look, a debt free person can still be broke in the short term if they have a meager income, and they can be broke in the long term if they are not leveraging assets and debt. Being debt free, that is like bragging that you quit the gym so that you'll never pull a muscle again. I mean, you're safe for now, but you're going to be weaker in the long run. Let's use a different example. Let's just run a different set of numbers. Let's say you've got a 400k mortgage at three and a half percent interest, though your monthly payment is 1796 on a 30 year fixed. Some people think, Oh, if I just throw an extra $1,000 a month at this, I'm going to be debt free years sooner. And the truth is, yes, you will save 90k in interest, and you are. Going to own the house outright earlier. But what's the opportunity cost if that same 1k a month went into investments earning even 7% annually, after 15 years, it grows to about 311k   Keith Weinhold  20:16   Well, that is more than three times the interest savings, which again, was only 90k so for some paying off the mortgage early feels like some sort of emotional win, but it is rarely the best financial win. I mean, that is like benching LeBron to save money on Gatorade. I mean, that is a bunch of nonsense. So debt free is the floor. Financially Free is the ceiling. I mean, do you know about those popular call in shows where people are advised to lower their standards, diminish their quality of life, not go on vacations in order to get debt free? Oh, dear. I mean, those shows have got to be screening their callers closely to ensure that no one savvy actually gets on the air. Somebody, hey, how about you? Why don't you get on the air? Get on that show. Ask them some tough questions about getting mortgage debt free. You tell them yeah. Tell them that your ROI on all that equity is zero because home values change regardless of equity positions. Tell them that a home is never paid off because you'll still owe property tax and maintenance and repairs and utilities and maybe insurance and an HOA. Tell them you lost the gift of inflation eating your debt while you sleep. Tell them mortgage interest is often tax deductible. Tell them that their leverage is gone, and all these facts, every one of those I just stated, they're now figuratively not just talking. They're yelling. They're screaming now, because markets of all types are at all time highs. So instead, if you had used those funds to pay off a property, they would have really missed out on earning big returns for years elsewhere, a steep opportunity cost. Suffice it to say, I would love to see the widespread adoption of 50 year mortgages, and I would use them. The other thing that would happen is that it would make home prices rise further, because more people can afford the lower payments to bid up the price. So actually, here's something that I'm wondering about with you. Did you ever have a paid off property, and then realize all of this, and then go and get new financing on it again. Have you ever done that? If you have that would be really interesting. Let us know if you've had a property in a paid off position, realized the vulnerability and the opportunity cost of having all that illiquid equity, and then you went and put debt back on it. Let us know at get rich education.com/contact. That's get rich education.com/contact. Like Ridge lending group knows this when I have chili ridge here, like she and I discussed, you even get the cash chunk out tax free. And here's what else is interesting about this. Just say you know how out in the world of real estate agents, where people are buying and selling property, well, whenever a buyer's agent knows that that listed property is owned by a seller that still has a mortgage on it, well the assumption is that the seller, well, they might be a little more motivated to sell since they have to make mortgage payments on that property that they might not even be occupying anymore. Well, that is backwards. In most cases, you should be more motivated to want to sell a property if it's paid off because you've got all that dead equity in it that needs to be released through that sale. So really, a listing agent should be thinking, this seller has got to sell this property with urgency, if for no other reason, because he or she has lots of equity in that property. That's how to think about it. The world has it 100% backwards. That mindset is 180 degrees from the truth coming up next.    Keith Weinhold  24:25   Did you know that this week? Yes, right here in mid October every year is historically the best week of the year to buy a home. Also, what's it like behind the scenes here on the microphone? I've got that and more straight ahead. I'm Keith Weinhold. You're listening to get rich education,    Keith Weinhold  24:44   if you're scrolling for quality real estate and finance info today, yeah, it can be a mess. You hit paywalls, pop ups, push alerts, Cookie banners. It's like the internet is playing defense against you. Not so fun. That's why it matters to get clean. Mean free content that actually adds no hype value to your life. This is the golden age of quality email newsletters, and I write every word of ours myself. It's got a dash of humor, it's direct, and it gets to the point because even the word abbreviation is too long, my letter takes less than three minutes to read, and it leaves you feeling sharp and in the know about real estate investing, this is paradigm shifting material, and when you start the letter, you'll also get my one hour fast real estate video, course, completely free as well. It's called the Don't quit your Daydream letter. It wires your mind for wealth, and it couldn't be simpler to get visit gre letter.com while it's fresh in your head, take a moment to do it now at gre letter.com Visit gre letter.com    Keith Weinhold  25:55   the same place where I get my own mortgage loans is where you can get yours Ridge lending group NMLS, 42056, they provided our listeners with more loans than anyone because they specialize in income properties. They help you build a long term plan for growing your real estate empire with leverage. Start your pre qual and even chat with President Caeli Ridge personally, while it's on your mind, start at Ridge lending group.com. That's Ridge lending group.com. Hi.   Russell Gray  26:29   This is Russell Gray, co host of the real estate guys radio show, and you're listening to get rich education with Keith Weinhold. Don't quit your Daydream.   Keith Weinhold  26:36   welcome back to get rich Education. I'm your host. Keith Weinhold, there's a lot to look forward to in future months here on the show, new content from me, new prominent guests, the return of some favorite guests, a live event to tell you about and our annual home price forecast show, where I'll also reveal if last year's GRE home price prediction for this year came true or not. I have got to say I have nailed it to the exact percent a few years in a row now. But if you remember, before this year began, I forecast 5% national home price appreciation for this year. We will see how that turns out, but home prices are only up one or 2% year over year so far. Yes, not only do I make the forecast, I actually follow up with the previous years to check the accuracy. Don't you wish everyone did that? Well, it is October, and it's the month where you got to be ready to defend your love of candy corn and the same Americans complaining about inflation also bought a 40 foot skeleton for the front yard. Well, the best time to buy a home, historically, is this week this year. It happens to fall on October, 12 to 18th, as it turns out. Why would that be? It sounds kind of random, doesn't it? Well, the NAR recently reported on this, and this is what they give, a three word moniker, aptly named the best week. That's what they call it, the best week. Now, this applies more to primary residences into one to four unit investment property, but it's a little applicable to apartment buildings too, and this really helps you understand real estate buying, selling and consumer nature. Historically, this week offers the most favorable balance of market conditions for buyers. This is when inventory tends to be elevated. Prices typically dip below their seasonal peak. The buyer competition slows, and just the overall pace of the market becomes more manageable. Again, quote, unquote, the best week this seasonal shift every year, it's influenced by school schedules and even weather patterns. Housing activity typically ramps up in the spring. It peaks in the summer because a lot of families try to move while children are out of school and the desire to settle before the new academic year that's back when you've got the warmer weather and the longer daylight hours, and you got these curb appeal enhancements from Lush summer foliage that also makes spring and summer an ideal time for showings in inspections, that adds further momentum to the summer surge. These sort of things actually matter. But then the calendar shifts into fall, and demand naturally tapers off. Every year you got families with school age children that exit the market, and then the remaining inventory begins to linger longer, and prices respond by dipping below peak levels. And homes tend to stay on the market longer. This happens every year. That makes for conditions that benefit late season buyers. So listings tend to become more plentiful now each October inventory levels, they tend to peak in early fall, and that's why it's about the best time to buy. You have less competition from other buyers, home buyer shopping during again, what is called the best week, you should expect less competition. Properties tend to attract the most viewership per listing early in the spring, and that's when buyers trickle into the market before the inventory picks up. And then the summer ushers in both more homes and more shoppers, and that means that buyers face quite a bit of competition in the summer, so the best week that should offer more time for buyers to deliberate, and it can mean that sellers are more eager to compromise. And the numbers back that up historically that this is the peak week for price reductions. So what can you do if you're potentially in the market? You might want to hit up gre investmentcoach.com and have our coaches connect you with the right income property if that's the right move for you, and doing that is totally free. In fact, most listeners buy their first income property that way. In fact, if you had a good experience with a GRE investment coach, go ahead and tell a friend about it. Now, let's say that you had $1 back in the year 1995 so you've got a green dollar bill in your pocket 30 years ago. All right. Well, what would happen to your dollar if you saved it versus putting it in stocks versus putting it in real estate? What do you think would happen in each of those three scenarios? Let's do it. Let's compare well, because of inflation, your dollar would be worth less than 50 cents if you had saved it, yeah, it would have just 47 cents worth of purchasing power today. Instead, if you had put it in the s, p5, 100, your dollar would have seen some pretty significant growth. It would be worth $19 today. That's how stocks have performed over the past 30 years. But what about real estate? Well, there are so many ways to do it specifically. What if it were a rental property where real estate pays five ways, not just one or two like stock. What kind of return can you expect from real estate? Well, when you add up all five ways, just using historic norms like classic rates of appreciation and a four to one leverage ratio, you get 38% as a total rate of return in year one. And then that rate starts to fall because equity accumulates. And if you're not initiated on that, and it sounds like such a high flying number, you can see my free video course that teaches you this at get rich education.com/course, the most valuable free course you've ever taken in your life. At get rich education.com/course, let's just get conservative and say so many things go wrong with your property that we're going to round that 38% all the way down to 20% per year. Yes, if you're new here, those sound like ridiculous rates of return. Anyone that's listened here for a while instead has been enjoying those rates of return if you bought right? I mean, you have so much more time and money in your life now, but at 20% ROI, your $1 from 1995 would be worth $237 today. Wow, and again, if it were saved under a mattress, it would be worth less than 50 cents, and in the sp5 100, just 19 bucks. This is a simplified way to demonstrate that compound leverage beats compound interest. I mean real estate beats stocks by more than 12x right there and see that's the type of multiplier that you're probably going to need on your money. Since it already takes $5 million to live the American dream, you might very well need $25 million over the next few decades, while the 401 K was created around 1980 the Roth IRA created in 1998 and the GRE podcast was created on October 10, 2014, and I trust that it's had a more positive impact on your life than any of those other vehicles.   Keith Weinhold  34:56   This means that I've released weekly episodes here for. 11 years, never missing a week at all, 52 weeks a year, and we've never replayed an old show either. I am here for you. Integrity means doing what you say you're going to do. Vedran, our sound engineer, has been here with GRE for 11 years as well. That is the team, the duo, that's been bringing you this show. And also, I didn't even tell my team here at GRE this yet, so I guess they'll learn now, the platform business rate just ranked us and awarded get rich education the best of the year, 2025 as a real estate school. Yes, we learned that this award is based on outstanding reviews from real customers, not nominations or votes, but the best of the year award comes from feedback through listeners just like you. Thank you for that, and thanks business rate this show and real estate investing, they are the main things that I do, and I expect to be here for you well into the future. Now, it's sort of funny here, kind of a paradox on the show I talk about income production that's largely passive, yet producing this show at a high level for 11 years here on this side of the microphone is not passive. It is highly active. I got a reminder of this recently when a doctor buddy of mine said he considers starting a podcast on the side. Let me tell you what I shared with him that is probably a terrible idea to launch an ongoing podcast where you'll constantly carve out the time to produce high quality week after week. That is not a side gig. 99% of those scenarios fail. You've got to deliver great new content yourself. You've got to have a network of guests to compliment you. You got to perform research and then cross check your research, because you've got to publish real, true information. You need a reliable editing solution. You need some organizational skills. You're going to need to hire some skilled and specialized assistance in the real estate world. You've actually got to get out into the field and visit cities in person to corroborate your research on the ground and go to in person conferences. I mean, there's a lot to do, but I did tell my doctor friend, you know, the good news is that there are alternatives to starting a show. There are a couple of them. In fact, first, you can do a 10 episode mini series on your area of expertise, host it on YouTube or Spotify and then send that link to clients. Another thing you can do is get yourself booked as a guest on someone else's show, and you'll pay a podcast booking agent to do that one strong guest episode that could do more than 100 of your own episodes ever could. So that's my guidance. In case you know any thought leaders that considered doing that, and what things look like from my view back behind the mic, it is not passive income, although my investing mostly is and another thing, if I've hosted a past guest on the show, and I get feedback from you or other listeners that they're not looking out for your best interest, or they don't want to do the property rehabs that they promised. Well, they are not coming back onto the show. Instead, we move on. I am here to do good and connect you only with providers that are doing good. Another show related announcement, and if you listen here each week through the get rich education mobile app. This is really important if you're listening to me right now on our dedicated mobile app, the hosting platform terminates at the end of this month, so you're going to have to listen in a different way. Go to either the apple podcasts app or the Spotify app and search get rich education to keep listening that way, you'll keep learning, stay motivated and never miss an episode of my incomprehensibly slack jawed vocals, profligate and unrepentant. Again, if you're listening to me right now on our dedicated GRE mobile app, the hosting platform terminates at the end of this month, you'll have to listen in a different way. Go to either the apple podcasts app or the Spotify app and search. Get rich education inside those apps in order to keep listening after this month, until next week, I'm your host. Keith Weinhold, don't quit your daydream   Speaker 2  39:41   Nothing on this show should be considered specific, personal or professional advice. Please consult an appropriate tax, legal, real estate, financial or business professional for individualized advice. Opinions of guests are their own. Information is not guaranteed. All investment strategies have the potential for profit or loss. The host is operating on behalf of get rich, education and. Will see exclusively.   Keith Weinhold  40:09   The preceding program was brought to you by your home for wealth. Building, get richeducation.com.  

Choosing the right realtor and lender is the most important decision of your entire home-buying journey. In this foundational step of the How to Buy a Home Starter Kit, David Sidoni reveals how to build your real estate “dream team” — one that guides, protects, and empowers you from day one. This episode exposes the industry myths that keep first-time buyers confused and shows you how to find professionals who work for you, not just the deal.SynopsisMost first-time buyers think their realtor's job is to find a house and write an offer, and their lender's job is to get them the lowest rate. Wrong. In this episode, David breaks down the truth about what real estate and mortgage professionals are really supposed to do — act as your advocates and educators long before you ever start touring homes.You'll learn why finding your guides early is the #1 shortcut to buying with confidence and saving money in the process. David walks through the “red flags” that signal you're working with an order-taker instead of a true advisor, explains how fees really work (even after the 2024 NAR lawsuit), and shows you exactly what to look for in a first-time–buyer–friendly realtor and lender.This episode is all about mindset — shifting from “I can figure it out on my own” to “I deserve a team that helps me win.” You'll walk away knowing how to interview potential agents and lenders, how to spot true advocates who will guide you through every step, and why this early investment of time can make or break your success as a homebuyer.Quote“You don't have to do all the planning on your own — that's the number one thing that will make or break your home-buying dreams.”HighlightsWhy Step 2 is the most important step in the 10-part homebuying processThe truth about what your lender and realtor actually doHow to avoid “door-openers” and “order-takers” who only chase transactionsThe real story behind agent fees after the 2024 NAR lawsuitHow early education with the right guides multiplies your buying powerThe mindset shift that turns confusion into confidenceRed flags to avoid when choosing your real estate teamWhat to look for in a first-time–buyer–focused realtor and lenderWhy spending 10x more time researching your team is worth itThe “personal Yoda” principle — why long-term guidance creates better outcomesReferenced Episodes[Ep. 5] The Biggest Dirty Little Secret in Real Estate[Ep. 164] START HERE: 10 Steps to Buying Your First Home[Ep. 169] Woman Power: This Single Woman Bought Her First Home[Ep. 229] What Is a Unicorn Real Estate Team?[Ep. 339] Don't Get Pre-Qualified—Get a Plan (Interview)[Ep. 340] Down Payment Assistance, Discovery Calls & Lending Myths (Interview)[Ep. 382] 2025 Crucial Housing Market Shift Pt. 1: Rates[Ep. 383] 2025 Crucial Housing Market Shift Pt. 2: Sales, Inventory & Affordability[Ep. 384] 2025 Crucial Housing Market Shift Pt. 3: Rent Math & Buying Power[Ep. 388] The Playbook Vol. 1: The Rent Replacement Strategy[Ep. 389] The Playbook Vol. 2: Your Last Lease EverConnect with me to find a trusted realtor in your area or to answer your burning questions!Subscribe to our YouTube Channel @HowToBuyaHomeInstagram @HowtoBuyAHomePodcastTik Tok @HowToBuyAHomeVisit our Resource Center to "Ask David" AND get your FREE Home Buying Starter Kit!David Sidoni, the "How to Buy a Home Guy," is a seasoned real estate professional and consumer advocate with two decades of experience helping first-time homebuyers navigate the real estate market. His podcast, "How to Buy a Home," is a trusted resource for anyone looking to buy their first home. It offers expert advice, actionable tips, and inspiring stories from real first-time homebuyers. With a focus on making the home-buying process accessible and understandable, David breaks down complex topics into easy-to-follow steps, covering everything from budgeting and financing to finding the right home and making an offer.

Explore From NAR to Christ by Dawn Hill — a testimony of leaving the NAR and returning to the truth of Scripture. You can listen to the entire series here: https://www.sermonaudio.com/se...

In this solo episode of Money Moves, Matty A. reflects on life, business, and investing as we head into Q4. From his personal journey of balancing family, entrepreneurship, and mental health to major market updates—from Fed rate cuts to the rise of gold and crypto—this conversation blends practical wealth-building insights with powerful life lessons.Matty dives into the implications of the government shutdown on economic data, why the U.S. dollar is showing cracks, and how investors are flocking to safe havens like gold and Bitcoin. He also highlights game-changing developments in tokenization, crypto adoption, and commercial real estate, plus shares an inspiring message on overcoming challenges and rising above negativity.If you're looking for both tactical market updates and motivating perspective on the climb to wealth and fulfillment, this episode has it all.What You'll Learn in This Episode[00:00] Matty's reflections on family, presence, and the “good old days”[04:49] Market updates: government shutdown, missing economic data, and Fed outlook[08:42] U.S. deficit concerns, interest rate cuts, and the state of the dollar[11:31] Gold hits record highs and crypto inflows surge[15:20] Tom Lee: Why Ethereum is the “new Wall Street”[22:01] Tokenization of real estate and new investment opportunities[24:05] Self-storage boom and hotel investment challenges[26:36] NAR's forecast: 5–8 rate cuts through 2026 and CRE impact[28:38] Inflation pain points: electricity, groceries, and cost of living[31:03] Why owning assets is the best hedge against uncertainty[33:09] The mental and emotional challenges of wealth-building[36:03] The eagle and crow story: rising above negativityEpisode Sponsored By:Discover Financial Millionaire Mindcast Shop: Buy the Rich Life Planner and Get the Wealth-Building Bundle for FREE! Visit: https://shop.millionairemindcast.com/CRE MASTERMIND: Visit myfirst50k.com and submit your application to join!FREE CRE Crash Course: Text “FREE” to 844-447-1555FREE Financial X-Ray: Text  "XRAY" to 844-447-1555

Mary welcomes back Mike Gendron for a timely conversation about compromising the gospel and who is doing what to bring in a so-called unity that could deceive on a broad scale. Who are these, and what is their agenda? We specifically look at an event this week called "Communion America", organized by the NAR and designed to "host God" and "bring down the blood of Jesus" to "heal our land". A mile long communion table is the culmination of their vision for the "church of America". And what church would that be exactly? We show how this is more of a Catholic event than anything, but will the church recognize the wolves? We also discuss that ecumenical agenda that has been building and growing for decades. What is it about the political/religious meld that has many of us on high alert? The perilous slope of a compromised gospel ends with a gospel that cannot save, something the devil is fully aware of. A fascinating hour with a bold apologist. 20% DISCOUNT - Book Link: https://www.proclaimingthegospel.org/page/store#!/Contending-for-the-Gospel/p/141870007   Stand Up For The Truth Videos: https://rumble.com/user/CTRNOnline & https://www.youtube.com/channel/UCgQQSvKiMcglId7oGc5c46A

Mary welcomes back Mike Gendron for a timely conversation about compromising the gospel and who is doing what to bring in a so-called unity that could deceive on a broad scale. Who are these, and what is their agenda? We specifically look at an event this week called "Communion America", organized by the NAR and designed to "host God" and "bring down the blood of Jesus" to "heal our land". A mile long communion table is the culmination of their vision for the "church of America". And what church would that be exactly? We show how this is more of a Catholic event than anything, but will the church recognize the wolves? We also discuss that ecumenical agenda that has been building and growing for decades. What is it about the political/religious meld that has many of us on high alert? The perilous slope of a compromised gospel ends with a gospel that cannot save, something the devil is fully aware of. A fascinating hour with a bold apologist. 20% DISCOUNT - Book Link: https://www.proclaimingthegospel.org/page/store#!/Contending-for-the-Gospel/p/141870007   Stand Up For The Truth Videos: https://rumble.com/user/CTRNOnline & https://www.youtube.com/channel/UCgQQSvKiMcglId7oGc5c46A

In this episode the host Jeff walks listeners through a critical examination of the upcoming Communion for America event planned on the National Mall (October 8–11). Using clips from the event organizers' promotional video and commentary from watchdogs like Magical Mystery Church, Jeff explains why he believes the movement is not simply a nationwide Christian revival but a syncretic, Gnostic-influenced operation with dangerous theological and spiritual implications. He covers the event's leaders and influencers (Lou Engle, David Bradshaw, Bill Johnson and others), the movement's ties to the New Apostolic Reformation (NAR), and why its language about "hosting the presence of God," "ripping the veil," and a "better blood message" raises serious concerns. The episode analyzes promotional claims (visions of a banqueting table down the Mall, testimonies of miraculous healings, calls for daily communion and 40–120 day fasting packages), and highlights how programming techniques, hypnotic worship music, and emotional storytelling can prime attendees for powerful spiritual experiences. Jeff contrasts biblical teaching about communion, repentance, and the Holy Spirit with the NAR's emphasis on fresh revelations, apostolic hierarchies, and manifest sons theology. He also outlines historical roots (Kabbalah, British-Israelism, William Branham and latter-rain theology), the Seven Mountain mandate and the convergence of political, religious and occult influences that the host fears could culminate in manipulation or worse. Key moments include detailed breakdowns of the organizers' video, warnings about ecumenical alliances (including Catholic participation), critique of fundraising and crowd-management tactics, and a discussion of how charismatic language—"invoke," "better blood," "loosing the blood"—can be used coercively. The episode closes by urging discernment: not to stoke fear of God, but to call out problematic doctrine and protect the vulnerable. Jeff encourages listeners to research the groups and leaders involved, to prioritize repentance and sound Scripture, and to avoid events if they see coercive or deceitful patterns. The description includes references to sources and YouTube analyses used in the episode (Magical Mystery Church and historical overviews), and notes the host's hope that listeners will engage their communities with biblical truth rather than manipulative movements. Thank you for Listening to Right on Radio. Prayerfully consider supporting Right on Radio. Click Here for all links, Right on Community ROC, Podcast web links, Freebies, Products (healing mushrooms, EMP Protection) Social media, courses and more... https://linktr.ee/RightonRadio Live Right in the Real World! We talk God and Politics, Faith Based Broadcast News, views, Opinions and Attitudes We are Your News Now. Keep the Faith

Every week, new headlines and charts make real estate look either like it's about to skyrocket or crash and burn. In this episode, Ron Phillips unpacks the fearmongering and cherry-picking in foreclosure, mortgage rate, and net worth data. He explains why context matters, how to read beyond the graphs, and where the truth usually lies somewhere in the middle. Instead of falling for polarized narratives, Ron shows how to focus on fundamentals and long-term investing strategies that stand the test of time. WHAT YOU'LL LEARN FROM THIS EPISODE   What 2025 foreclosure filings compared to 2009 reveals the real context The truth about sub-3% and 6%+ mortgages and why those charts mislead Why NAR's renter vs homeowner net worth comparison leaves out critical data How to ask the right questions when reviewing market graphs and headlines The one truth that always holds: long-term fundamentals outperform the hype     CONNECT WITH US: If you need help with anything in real estate, please email invest@rpcinvest.com  Reach Ron: RP Capital Leave podcast reviews and topic suggestions: iTunes Subscribe and get additional info: Get Real Estate Success Facebook Group: Cash Flow Property Facebook Community Instagram: @ronphillips_ YouTube: RpCapital Get the latest trends and insights: RP Capital Newsletter  

Ve středu 17. září zaplnilo indický tisk a televize jedno jediné téma. Nebyla to roztržka se Spojenými státy ohledně cel a víz nebo nějaký nový korupční skandál. Byly to 75. narozeniny premiéra Naréndry Módího. Vedle vypočítávání Módího úspěchů a celostránkových gratulací od významných podniků i jednotlivců už ten den nezbylo v indických novinách místo prakticky na nic jiného.

Send us a textThis episode of The Real Estate Roundtable dives deep into the evolving landscape of commercial and residential real estate, framed by the powerful analogy:“Residential realtors are the heart surgeons. Commercial realtors are the brain surgeons.”The roundtable, hosted by Andreas Senie, Dan Wagner, Rebecca Carlson, and Saul, explores how both sectors are undergoing transformation driven by technology, advocacy, and adaptive reuse.Key Themes:Market Momentum & OptimismDespite macroeconomic concerns like a potential government shutdown, the market shows strength with a 3.8% increase in transactions and a 13.9% rise in price per square foot year-over-year.Commercial Innovation & Adaptive ReuseInland Real Estate Group is leading the charge in repurposing old retail spaces into climate-controlled self-storage, investing in student housing, medical offices, and senior living—demonstrating how commercial real estate is reshaping communities.Residential Disruption & MLS EvolutionThe residential sector faces consolidation and litigation, yet the MLS remains a cornerstone of transparency and liquidity. International interest in MLS-like systems is growing, with the launch of the Global Data Exchange (GDX).Technology & AI IntegrationAI is enhancing workflows but must be layered with human expertise. The episode emphasizes building a secure, integrated tech stack to maintain competitive advantage and fiduciary responsibility.Advocacy & Industry DefenseRealtor associations are portrayed as essential defenders against harmful legislation—from natural gas bans to attacks on the 1031 exchange. RPAC and NAR are highlighted as powerful forces in shaping policy.Placemaking & PurposeA new generation of professionals is embracing real estate as a tool for community building and environmental impact, aligning with seasoned experts in a shared mission of sustainable development.Highlights"MLS really is a miracle. The concept and the idea that you can, that real estate's almost a liquid asset, that you can put it on the market and within 45 days, you can turn it into cash. That's pretty amazing."-- Saul"under all is the land, and we all benefit from the widest distribution of real estate ownership, because if people own real estate, they have a stake in the system."-- 《the preamble to the code of ethics of the National Association of Realtors》Dan"You cannot trust it to do the work for you if it will or could do it wrong and make you look very bad."-- Andreas "Don't put all your eggs in one basket." --Rebekah"who you buy with is everything, who you invest with is everything."-- Dan"there's nothing more powerful than the NAR"-- Dan "using real estate as the vehicle to do that."-- Becca"Residential Real Estate is heart surgery. Residential realtors are the heart surgeons. Commercial Brokers/realtors are the brain surgeons."-- Andreas About CRECo.ai Roundtable: CRECo.ai Presents: The Real Estate Roundtable: Your all-in-one comprehensive view of what's happening across the real estate industry -- straight from some of the industry's earliest technology adopters and foremost experts.Don't forget to subscribe to our YouTube channel where there is a host of additional great content and to visit CRECo.ai the Commercial Real Estate Industry's all-in-one dashboard to connect, research, execute, and collaborate online CRECo.ai. Please be sure to share, rate, and review us it really does help! Learn more at : https://welcome.creco.ai/reroundtable

Send us a textHuge news in the real estate market!  Compass is buying Anywhere brands.We will look at the recent merger announcement between Compass and Anywhere with guest Colton Lindsay, a recognized real estate expert from Utah. We will explore the implications of this merger, the debt crisis facing the parties, and the importance of data in shaping the deal. Our conversation will also touch on generational changes in the industry, the role of AI, and the challenges of fair housing and market access presented by the merger. Colton provides insights on what real estate agents should focus on in this evolving landscape and shares predictions for the future of brokerages.Don't forget to like us and share us!Gary* Gary serves on the South Carolina Real Estate Commission as a Commissioner. The opinions expressed herein are his opinions and are not necessarily the opinions of the SC Real Estate Commission. This podcast is not to be considered legal advice. Please consult an attorney in your area.

Welcome back to America's #1 Daily Podcast,  featuring America's #1 Real Estate Coaches and Top EXP Realty Sponsors in the World, Tim and Julie Harris. Ready to become an EXP Realty Agent and join Tim and Julie Harris?  Visit: https://whylibertas.com/harris or text Tim directly at 512-758-0206. ******************* 2025's Real Estate Rollercoaster: Dodge the Career-Killers with THIS Mastermind!

Send us a textOn September 17, I had the opportunity to record Dishin' Dirt live onstage at SCR's REALTOR Mania. My guest was Jon Waclawski, General Counsel, Senior Vice President for NAR.  We discussed everything from the status of legal cases against NAR, the good and bad of Sitzer/Burnett, Clear Cooperation, In-House Listings, the Three-way agreement, MLS rules and a whole lot more. Listen to hear what is going on at NAR in the legal sense. Don't forget to like us and share us!Gary* Gary serves on the South Carolina Real Estate Commission as a Commissioner. The opinions expressed herein are his opinions and are not necessarily the opinions of the SC Real Estate Commission. This podcast is not to be considered legal advice. Please consult an attorney in your area.

For a long time, buyer representation was an afterthought. Agents leaned on MLS commission notes, dodged tough conversations about compensation, and hoped clients would just go along.  But after the NAR settlement, that safety net vanished. Now, if we can't clearly show our value and lock in a signed buyer rep agreement, we're at risk of losing clients, income, and even putting ourselves in a legal bind. Here's the twist: AI isn't just a cool extra. When we use it right, it can be our sharpest edge in this new reality.  With ChatGPT, predictive analytics, and the right prompts, we can turn overwhelming data on housing, lending, and demographics into clear strategies that win agreements, build loyalty, and boost productivity. The good news? We can make sure buyers sign those agreements, and more often than not, clients will be happy to compensate us when they see the value we bring.  So how do we get buyers to say yes without hesitation? What's the secret to making compensation a non-issue? How can AI help us deliver so much value that signing an agreement feels like the obvious choice? I sat down with the team at Showami to dig into how to start using AI-powered research, prompts, and predictive marketing to build a buyer assistant that works harder than any assistant you could hire.   When I schedule the buyer consultation, I want to overwhelm them with data and tell them things no other agent has. I want them to see me as the value-add. That will make them sign the buyer representation agreement. -Marki Lemons Ryhal    Things You'll Learn In This Episode  The true value of buyer representationAgents who secure signed agreements with offers of compensation often walk away earning more than the listing side. What's the mindset shift that makes buyers eager to sign and pay? AI as your buyer's assistantChatGPT and predictive tools can turn raw housing data into clear, client-ready strategies. How can you use this to prove your value and speed up the agreement process? Niche strategies that actually workThe riches are in the niches, whether it's single men with pets or buyers leveraging down payment grants. Which overlooked markets can you tap into that others are ignoring? Choose the right market, avoid the wrong battlesMany agents chase saturated neighborhoods or get stuck in areas with slow sales and tough barriers to entry. How do you identify the markets where you can actually dominate instead of struggle? About Your Host Marki Lemons Ryhal is a ​​Licensed Managing Broker, REALTOR® and avid volunteer.  She is a dynamic keynote speaker and workshop facilitator, both on-site and virtual; she's the go-to expert for artificial Intelligence, entrepreneurship, and social media in real estate. Marki Lemons Ryhal is dedicated to all things real estate, and with 25+ years of marketing experience, Marki has taught over 250,000 REALTORS® how to earn up to a 2682% return on their marketing dollars. Marki's expertise has been featured in Forbes, Washington Post, http://Homes.com , and REALTOR® Magazine.   Check out this episode on our website, Apple Podcasts, or Spotify, and don't forget to leave a review if you like what you heard. Your review feeds the algorithm so our show reaches more people. Thank you! 

Radicalization, and the Minnesota Murder Cases John Collins grew up inside William Branham's “Message” world, left it, then spent years mapping how the theology and network morphed into today's authoritarian ecosystems. I welcomed him back to The Influence Continuum to speak about the murders and share his knowledge surrounding the twisted networks of doctrine and influence that may have influenced them. Collins' most recent book is Weaponized Religion: From Christian Identity to the NAR. Author and webmaster of William Branham: Historical Research, John was born and raised in William Branham's “The Message” cult following and is the grandson of Willard Collins, former pastor of William Branham's “Branham Tabernacle” in Jeffersonville, Indiana. When we did the recording and broke the story about Boelter's link to the extremist group, we got a message on my YouTube from Boelter's former baseball buddy and floormate at college, who witnessed his radicalization. Jeff Petricka consented to a recorded interview on my YouTube channel. John's story hits an essential point about brainwashing while growing up. He was taught such an extremist form of obedience that he was told if Branham said the sky was pink, his eyes were wrong. He was corporally punished regularly. He told me leaving felt like being air-dropped from a North Korean camp into the United States, where nothing is familiar. His deconstruction took years. With human resilience and persistence, John worked to heal himself and help others. John was told stringed instruments were “of the devil.” Today, he keeps his drums in the frame and every video on purpose, and I can see at least 8 (if not more!) stringed instruments on his wall. A really important interview! Learn more about your ad choices. Visit megaphone.fm/adchoices